20 Speach Dr, Central Square, NY 13036 Property Records

Oswego County and Hastings Town property record for 20 Speach Dr, Central Square, NY 13036

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,288 sqft · built 1983
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,011 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`353289 275.00-02-39.2`

Property Details

APN / Parcel Number

Primary APN	`353289 275.00-02-39.2`
Alternative APN	`328927500000020392000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Game Room	Game Room

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	61,855 sqft (1.42 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	272 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	20 SPEACH DR
City	CENTRAL SQUARE
State	NY
Zip	13036-2337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SP 44 200-072-000
Legal Subdivision	SCRIBAS PATENT
Legal Block	2
Legal Lot Number	39.200
Jurisdiction	OSWEGO NY
Township / Civil Division	HASTINGS
Census Block Group	1
Census Block	1013
Census Tract	20707

Owner

Source: Oswego County and Hastings Town records, as of April 30, 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	20 SPEACH DR, CENTRAL SQUARE, NY 13036-2337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit NORTHERN CREDIT CORP
Apr 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	20 SPEACH DR, CENTRAL SQUARE, NY 13036-2337
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SPEACH DR, CENTRAL SQUARE, NY 13036-2337
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009985
Date	Nov 7, 2025
Instrument	R-2025-009985

Lender

Name	NORTHERN CREDIT CORP
Type	Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	20 SPEACH DR, CENTRAL SQUARE, NY 13036-2337
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SPEACH DR, CENTRAL SQUARE, NY 13036-2337

Mortgage

Document Number	0000003399
Date	Apr 6, 2022
Instrument	R-2022-003399

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Jan 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	20 SPEACH DR, CENTRAL SQUARE, NY 13036-2337
Document Number	0000011308
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SPEACH DR CENTRAL SQUARE NY 130362337, CENTRAL SQUARE, NY 13036-2337

Mortgage

Document Number	0000011308
Date	Dec 10, 2019
Instrument	11308

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Hastings Town
Unified School District	Central Square Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,011.00	$129,000 (-) Land $21,000 Building $108,000	$172,000 (+14.67%) Land $28,000 Building $144,000
2023		$129,000 Land $21,000 Building $108,000	$150,000 Land $24,419 Building $125,581

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
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	Jan 2018

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OCWA public/private · serves 350,000 people · EPA ID NY3304336
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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