22 Three Rivers Ln, Phoenix, NY 13135 Property Records

Oswego County and Schroeppel Town property record for 22 Three Rivers Ln, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,865 sqft · built 2019
Lot Size	3.17 acres (138,085 sqft)
Owner	2 Individual Names on File
Tax Bill	$15,591 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`355489 314.03-01-10.07`

Property Details

APN / Parcel Number

Primary APN	`355489 314.03-01-10.07`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,865 sqft Living Area
1st Floor Area	1,269 sqft
Basement Area	596 sqft
Finished Basement	596 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	138,085 sqft (3.17 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	268 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 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	10.070
Jurisdiction	OSWEGO NY
Township / Civil Division	SCHROEPPEL
Census Block Group	1
Census Block	1031
Census Tract	20905

Owner

22 Three Rivers Ln is owned and occupied by two individuals.

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 Individual Names on File
Mailing Address	22 THREE RIVERS LN, PHOENIX, NY 13135-3352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit PATHFINDER BANK
Nov 16, 2020	Deed of Trust, Mortgage PATHFINDER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	22 THREE RIVERS LN, PHOENIX, NY 13135-3352
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 THREE RIVERS LN, PHOENIX, NY 13135-3352

Mortgage

Document Number	0000001131
Date	Dec 12, 2025
Instrument	R-2025-011131

Lender

Name	PATHFINDER BANK
Type	Bank
Address	LIVERPOOL, NY 13090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	22 THREE RIVERS LN, PHOENIX, NY 13135-3352
Document Number	0000011493
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	TITLE SERVICES, INC.

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011493
Date	Nov 24, 2020
Instrument	11493

Lender

Name	PATHFINDER BK
Type	Bank
Address	CLAY BR, LIVERPOOL, NY 13090

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 22 Three Rivers Ln was $15,591, 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	$15,591.00 (+0.47%)
2025	$15,518.00	$285,000 Land $71,250 Building $213,750	$633,333 Land $158,333 Building $475,000
2023		$313,500 Land $71,250 Building $242,250	$570,000 Land $129,545 Building $440,455

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

Flood

FEMA maps place 22 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 22 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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