217 Lower Rd, Constantia, NY 13044 Property Records

Oswego County and Constantia Town property record for 217 Lower Rd, Constantia, NY 13044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,674 sqft · built 1967
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2019)
Tax Bill	$8,325 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352689 295.00-04-15`

Property Details

APN / Parcel Number

Primary APN	`352689 295.00-04-15`
Alternative APN	`268929500000040150000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,674 sqft Living Area
1st Floor Area	1,624 sqft
Basement Area	1,050 sqft
Finished Basement	1,050 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Porch Area	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	217 LOWER RD
City	CONSTANTIA
State	NY
Zip	13044-2617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 086-006-000
Legal Subdivision	SCRIBAS PATENT
Legal Block	4
Legal Lot Number	15.000
Jurisdiction	OSWEGO NY
Township / Civil Division	CONSTANTIA
Census Block Group	2
Census Block	2093
Census Tract	20600

Owner

Source: Oswego County and Constantia 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	217 LOWER RD, CONSTANTIA, NY 13044-2617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage PATHFINDER BANK
Oct 9, 2019	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Apr 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage PATHFINDER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2019 · Amount on Record
Deed Sale	Oct 9, 2019 · Amount on Record
Prior Sale	Oct 21, 2014 · Amount on Record
Deed Document Number	20199035
Prior Transfer Date	Apr 26, 2011
Prior Transfer Doc	0000003883
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	217 LOWER RD, CONSTANTIA, NY 13044-2617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011725
Date	Nov 27, 2017
Instrument	R-2017-011725

Lender

Name	PATHFINDER BANK
Type	Bank
Address	OSWEGO, NY 13126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 9, 2019
Property Address	217 LOWER RD, CONSTANTIA, NY 13044-2617
Document Number	0000009035
Instrument Date	Sep 27, 2019
Instrument	R-2019-009035
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	STEWART

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 LOWER RD, 217, CONSTANTIA, NY 13044-2617

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	217 LOWER RD, CONSTANTIA, NY 13044-2617

Mortgage

Document Number	0000009036
Date	Oct 9, 2019
Instrument	R-2019-009036

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	217 LOWER RD, CONSTANTIA, NY 13044-2617
Document Number	0000003576
Instrument Date	Apr 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 LOWER RD CONSTANTIA NY 130442617, CONSTANTIA, NY 13044-2617

Mortgage

Document Number	0000003576
Date	Apr 21, 2017
Instrument	3576

Lender

Name	PATHFINDER BK
Type	Bank
Address	CENTRAL SQUARE, NY 13036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,325.00	$195,060 (+2.66%) Land $17,500 Building $177,560	$354,655 (+21.33%) Land $31,818 Building $322,837
2023		$190,000 Land $17,500 Building $172,500	$292,308 Land $26,923 Building $265,385

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 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Mar 1993 · river or lake flooding

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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 37 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

Cell Coverage

5G (outdoors only) and 4G LTE

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