187 E 7th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 187 E 7th St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,740 sqft · built 1915
Lot Size	0.091 acres (4,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,631 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`351200 128.65-03-24`

Property Details

APN / Parcel Number

Primary APN	`351200 128.65-03-24`
Alternative APNs	`120012806500030240000000` `1653`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,740 sqft Living Area
1st Floor Area	920 sqft
2nd Floor Area	520 sqft
Upper Floors Area	240 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Porch	Slab
Porch Area	225 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1653
Street Address	187 E 7TH ST
City	OSWEGO
State	NY
Zip	13126-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Subdivision	HAMILTONS GORE
Legal Block	3
Legal Lot Number	24.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3010
Census Tract	21604

Owner

Source: Oswego County and Oswego City records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	187 E 7TH ST, OSWEGO, NY 13126-3223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OSWEGO TEACHERS EMPLOYEES FCU
Dec 5, 2017	Deed of Trust, Mortgage · Line of Credit OSWEGO TEACHERS EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 26, 2001
Transfer Doc	2001001171
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	187 E 7TH ST, OSWEGO, NY 13126-3223
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 E 7TH ST T, T, OSWEGO, NY 13126-3223

Mortgage

Document Number	0000003120
Date	Apr 16, 2024
Instrument	R-2024-003120

Lender

Name	OSWEGO TEACHERS EMPLOYEES FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Mar 10, 2031

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	187 E 7TH ST, OSWEGO, NY 13126-3223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012046
Date	Dec 5, 2017
Instrument	R-2017-012046

Lender

Name	OSWEGO TEACHERS EMPLOYEES FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 4, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Oswego County and Oswego City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
Municipality	Oswego City
Unified School District	Oswego City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,631.00 (-1.16%) Homeowner's exemption
2025	$2,662.00	$142,000 (+89.33%) Land $17,700 Building $124,300	$142,000 (+57.15%) Land $17,700 Building $124,300
2023		$75,000 Land $10,900 Building $64,100	$90,361 Land $13,132 Building $77,229

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1984)
Most Recent Claim	Apr 1984 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OSWEGO CITY serves 29,400 people · EPA ID NY3704361
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 879 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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