Oswego County and Constantia Town property record for 21 Kellar Dr Ext, Bernhards Bay, NY 13028 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1938 |
| Square Footage | 1,030 sqft Living Area |
| Lot Size | 13,450 sqft (0.308 acres) |
| Garage | 984 sqft |
| Last Sale | $400,000 (2026) |
| Tax Bill | $6,723.00 (2025) |
| Primary APN | 352689 311.08-01-09.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,030 sqft Living Area |
| 1st Floor | 640 sqft 1st Floor |
| Upper Floors | 390 sqft Upper Floors |
| Stories | 1 Stories |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 13,450 sqft (0.308 acres) |
| Depth X Width | 269 ft x 50 ft Depth x Width |
| Parking Spaces | 4 Parking Spaces |
| Garage Area | 984 sqft Garage |
| Shed | 1 Shed |
| Porch Area | 244 sqft Porch |
| Boat Access | Boat Access |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Street Address | 21 KELLAR DRIVE EXT |
|---|---|
| City | BERNHARDS BAY |
| State | NY |
| Zip | 13028-3184 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 125 151-012-000 LF 50' |
| Legal Subdivision | AMENDED MAP OF MERWIN PARK |
| Legal Block | 1 |
| Legal Lot Number | 9.100 |
| Jurisdiction | OSWEGO NY |
| Minor Civil Division | CONSTANTIA |
| Census Blockgroup | 2 |
| Census Block | 2087 |
| Census Tract | 20600 |
Source: Oswego County and Constantia Town records · APN 352689 311.08-01-09.1
Assessment roll updated April 30, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 6833 CANTON ST, WARNERS, NY 13164-9817 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Apr 09, 2026 | Warranty Deed, Transfer · Commercial Mortgage FULTON SAVINGS BANK |
| Apr 10, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FULTON SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 09, 2026 · Amount on Record |
| Deed Sale | Apr 09, 2026 · Amount on Record |
| Deed Doc Number | 20262953 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Apr 09, 2026 |
| Property Address | 21 KELLAR DRIVE EXT, BERNHARDS BAY, NY 13028-3184 |
| Document Number | 0000002953 |
| Instrument Date | Apr 09, 2026 |
| Instrument | 20262953 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2026 |
| Title Company | CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $161,600.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6833 CANTON ST, WARNERS, NY 13164-9817 |
| Date | Apr 09, 2026 |
|---|
| Name | FULTON SAVINGS BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 21 KELLAR DRIVE EXT, BERNHARDS BAY, NY 13028-3184 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002872 |
|---|---|
| Date | Apr 10, 2019 |
| Instrument | R-2019-002872 |
| Name | FULTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | FULTON, NY 13069 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Oswego County and Constantia Town records · Assessment roll updated April 30, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Constantia Town |
| Unified School District | Central Square Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,723.00 | $155,300 (-) Land $68,400 Building $86,900 | $282,364 (+18.18%) Land $124,364 Building $158,000 |
| 2023 | $155,300 Land $68,400 Building $86,900 | $238,923 Land $105,231 Building $133,692 |
Source: FEMA National Flood Hazard Layer, Oswego County (36075C), updated October 15, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 5% of the US · above 6% of New York |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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