Oswego County and Oswego City property record for 218 E 10th St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,488 sqft · built 1900 |
| Lot Size | 0.174 acres (7,590 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,316 (2026) |
| Deeds & Mortgages | Mar 2018 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 128.49-03-15 |
| Primary APN | 351200 128.49-03-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Upper Floors Area | 384 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,590 sqft (0.174 acres) |
| Lot Dimensions | 110 ft deep x 69 ft wide |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 456 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3658 |
|---|---|
| Street Address | 218 E 10TH ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-2315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN2 |
| Legal Block | 3 |
| Legal Lot Number | 15.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 21605 |
218 E 10th St is owned and occupied by an individual.
Source: Oswego County and Oswego City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 218 E 10TH ST, OSWEGO, NY 13126-2315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 26, 2018 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PATHFINDER BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 218 E 10TH ST, OSWEGO, NY 13126-2315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002761 |
|---|---|
| Date | Mar 26, 2018 |
| Instrument | R-2018-002761 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 218 E 10TH ST, OSWEGO, NY 13126-2315 |
| Document Number | 0000005284 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | CNY ABSTRACT AND TITLE SERVICES INC, CNY ABS & TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 218 E 10TH ST OSWEGO NY 131262315, OSWEGO, NY 13126-2315 |
| Document Number | 0000005284 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 5284 |
| Name | PATHFINDER BK |
|---|---|
| Type | Bank |
| Address | OSWEGO, NY 13126 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 30, 2040 |
The 2026 property tax bill for 218 E 10th St was $2,316 with exemptions applied, down 1.2% from the year before.
Source: Oswego County and Oswego City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,316.00 (-1.15%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,343.00 | $125,000 Land $20,500 Building $104,500 | $125,000 Land $20,500 Building $104,500 |
| 2023 | $89,000 Land $13,800 Building $75,200 | $107,229 Land $16,627 Building $90,602 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 218 E 10th St 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 | 7 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 risk around 218 E 10th St is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSWEGO CITY serves 29,400 people · EPA ID NY3704361 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2025–2027) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 879 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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