22 Gregory St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 22 Gregory St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,052 sqft · built 1956
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Aug 2018)
Tax Bill	$4,200 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 127.74-02-09`

Property Details

APN / Parcel Number

Primary APN	`351200 127.74-02-09`
Alternative APNs	`120012707400020090000000` `6966`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,052 sqft Living Area
1st Floor Area	1,052 sqft
Basement Area	1,052 sqft
Finished Basement	1,052 sqft
Unfinished Basement	1,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	100 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	6966
Street Address	22 GREGORY ST
City	OSWEGO
State	NY
Zip	13126-1742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Subdivision	ONTARIO HEIGHTS
Legal Block	2
Legal Lot Number	9.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2018
Census Tract	21602

Owner

Source: Oswego County and Oswego City assessment roll, 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 File
Mailing Address	22 GREGORY ST, OSWEGO, NY 13126-1742
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Line of Credit BANK NATIONAL ASSOCIATION
Aug 2, 2018	Warranty Deed, Transfer · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 2, 2018 · Amount on Record
Deed Sale	Aug 2, 2018 · Amount on Record
Prior Sale	Apr 7, 2003 · Amount on Record
Deed Document Number	20187315
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Recording Date	Jun 3, 2026
Property Address	22 GREGORY ST, OSWEGO, NY 13126-1742
Document Number	0000004617
Instrument Date	May 22, 2026
Instrument	20264617
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship, 153
Address	22 GREGORY ST, OSWEGO, NY 13126-1742

Mortgage

Document Number	0000004617,
Date	Jun 3, 2026
Instrument	20264617

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Change Frequency	Monthly
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 2, 2018
Property Address	22 GREGORY ST, OSWEGO, NY 13126-1742
Document Number	0000007315
Instrument Date	Jul 26, 2018
Instrument	R-2018-007315
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 GREGORY ST, 22, OSWEGO, NY 13126-1742

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	60 E5TH ST, OSWEGO, NY 13126

Mortgage

Document Number	0000007316
Date	Aug 2, 2018
Instrument	R-2018-007316

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
Municipality	Oswego City
Unified School District	Oswego City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,200.00	$224,000 (+148.89%) Land $20,600 Building $203,400	$224,000 (+106.58%) Land $20,600 Building $203,400
2023		$90,000 Land $12,500 Building $77,500	$108,434 Land $15,060 Building $93,374

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1979–2011)
Most Recent Claim	Sep 2011 · 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	Not rated no wildfire likelihood modeled here

Drinking Water

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

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 200 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile USA.

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