20 Three Rivers Ln, Phoenix, NY 13135 Property Records

Oswego County and Schroeppel Town property record for 20 Three Rivers Ln, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,625 sqft · built 2020
Lot Size	4.44 acres (193,406 sqft)
Owner	2 Trust Names on File
Tax Bill	$16,412 (2026)
Deeds & Mortgages	Aug 2020 Sale Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`355489 314.03-01-10.06`

Property Details

APN / Parcel Number

Primary APN	`355489 314.03-01-10.06`
Alternative APN	`35548931400300010100300000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,625 sqft Living Area
1st Floor Area	2,062 sqft
Basement Area	563 sqft
Finished Basement	563 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	193,406 sqft (4.44 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	20 THREE RIVERS LN
City	PHOENIX
State	NY
Zip	13135-3352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	1
Legal Lot Number	10.060
Jurisdiction	OSWEGO NY
Township / Civil Division	SCHROEPPEL
Census Block Group	1
Census Block	1031
Census Tract	20905

Owner

20 Three Rivers Ln is owner-occupied and held in a trust since July 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	20 THREE RIVERS LN, PHOENIX, NY 13135-3352
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Grant Deed, Subdivision Related Transfer ATTORNEY ONLY
Sep 4, 2018	Grant Deed, Transfer BERNIE OWENS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 9, 2024
Transfer Doc	0000001588
Record Updated	Oct 29, 2026

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 5, 2020
Property Address	20 THREE RIVERS LN, PHOENIX, NY 13135-3352
Document Number	0000006439
Instrument Date	Jul 10, 2020
Instrument	6439
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 25, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	173 APPLEWOOD DR ILION NY 133579732, ILION, NY 13357-9732

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 4, 2018
Property Address	20 THREE RIVERS LN, PHOENIX, NY 13135-3352
Document Number	0000008630
Instrument Date	Jul 24, 2018
Instrument	8630
Transaction Type	Transfer
Record Updated	Feb 25, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8233 PARK RIDGE PATH LIVERPOOL NY 130904110, LIVERPOOL, NY 13090-4110

Mortgage

Document Number	8631
Date	Sep 4, 2018
Instrument	8631

Lender

Name	BERNIE OWENS
Address	2677 NUHA ST, BALDWINSVILLE, NY 13027

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Three Rivers Ln was $16,412, up 0.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$16,412.00 (+0.47%)
2025	$16,335.00	$300,000 Land $70,000 Building $230,000	$666,667 Land $155,556 Building $511,111
2023		$408,750 Land $90,000 Building $318,750	$743,182 Land $163,636 Building $579,546

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

Flood

FEMA maps place 20 Three Rivers Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 20 Three Rivers Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	SILVER ROCK MOBILE HOME PARK private · serves 40 people · EPA ID NY3700929
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2015–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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