Oswego County and Palermo Town property record for 196 Graves Rd, Central Square, NY 13036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,185 sqft · built 1980 |
| Lot Size | 3.36 acres (146,362 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $146,000 (Oct 2017) |
| Tax Bill | $6,897 (2026) |
| Deeds & Mortgages | Sep 2020 Line of Credit Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 354400 207.00-01-28.01 |
| Primary APN | 354400 207.00-01-28.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,185 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Upper Floors Area | 249 sqft |
| Attic | Attic |
| Attic Area | 249 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 146,362 sqft (3.36 acres) |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 368 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 196 GRAVES RD |
|---|---|
| City | CENTRAL SQUARE |
| State | NY |
| Zip | 13036-2286 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | LOT 18 400-008-000 |
| Legal Subdivision | 14TH TOWNSHIP OF SCRIBAS PATENT |
| Legal Block | 1 |
| Legal Lot Number | 28.010 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | PALERMO |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 20800 |
Source: Oswego County and Palermo Town 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 | Individual Name on Record |
|---|---|
| Mailing Address | 196 GRAVES RD, CENTRAL SQUARE, NY 13036-2286 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2020 | Deed of Trust, Mortgage · Line of Credit EMPOWER FCU |
| Oct 17, 2017 | Grant Deed, Transfer SYRACUSE SECURITIES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2017 · Amount on Record |
| Deed Sale | Oct 17, 2017 · Amount on Record |
| Deed Document Number | 201710217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 196 GRAVES RD, CENTRAL SQUARE, NY 13036-2286 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 196 GRAVES RD, CENTRAL SQ, NY 13036-2286 |
| Document Number | 0000007952 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | R-2020-007952 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Oct 17, 2017 |
| Property Address | 196 GRAVES RD, CENTRAL SQUARE, NY 13036-2286 |
| Document Number | 0000010217 |
| Instrument Date | Sep 8, 2017 |
| Instrument | 10217 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $584.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4791 FOUR SEASONS DR LIVERPOOL NY 130883609, LIVERPOOL, NY 13088-3609 |
| Investor | Possibly a Property Investor |
| Document Number | 10218 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 10218 |
| Name | SYRACUSE SECURITIES |
|---|---|
| Type | MERS |
| Address | EAST SYRACUSE, NY 13057 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 16, 2047 |
Source: Oswego County and Palermo Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Palermo Town |
| Unified School District | Mexico Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,897.00 (+7.95%) | ||
| 2025 | $6,389.00 | $192,000 (-) Land $20,000 Building $172,000 | $266,667 (+22.22%) Land $27,778 Building $238,889 |
| 2023 | $192,000 Land $20,000 Building $172,000 | $218,182 Land $22,727 Building $195,455 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL | 100 / 20 |
4G LTE (outdoors only), no 5G reported
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