221 E 2nd St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 221 E 2nd St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,181 sqft · built 1940
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Last Sale	$111,500 (Oct 2022)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.72-02-17`

Property Details

APN / Parcel Number

Primary APN	`351200 128.72-02-17`
Alternative APNs	`120012807200020170000000` `1829`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,181 sqft Living Area
1st Floor Area	793 sqft
Upper Floors Area	400 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Porch	Slab
Porch Area	188 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1829
Street Address	221 E 2ND ST
City	OSWEGO
State	NY
Zip	13126-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Subdivision	HAMILTONS GORE IN SCRIBAS PATENT
Legal Block	2
Legal Lot Number	17.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3034
Census Tract	21604

Owner

Source: Oswego County and Oswego City 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	Individual Name on Record
Mailing Address	221 E 2ND ST, OSWEGO, NY 13126-3104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Warranty Deed, Transfer · FHA Mortgage PARAGON HOME LOANS INC
Sep 17, 2018	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Deed Document Number	202211773
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 26, 2022
Property Address	221 E 2ND ST, OSWEGO, NY 13126-3104
Document Number	0000001773
Instrument Date	Oct 18, 2022
Instrument	R-2022-011773
Transaction Type	Transfer
Record Updated	Nov 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$446.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 E 2ND ST, 221, OSWEGO, NY 13126-3104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 E MOHAWK ST, OSWEGO, NY 13126-2723

Mortgage

Document Number	0000001774
Date	Oct 26, 2022
Instrument	R-2022-011774

Lender

Name	PARAGON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 17, 2018
Property Address	221 E 2ND ST, OSWEGO, NY 13126-3104
Document Number	0000009093
Instrument Date	Aug 12, 2018
Instrument	9093
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	CUSTOMIZED LENDERS SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 W 8TH ST OSWEGO NY 131263040, OSWEGO, NY 13126-3040

Mortgage

Document Number	9094
Date	Sep 17, 2018
Instrument	9094

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 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	$2,212.00	$118,000 (+68.57%) Land $24,400 Building $93,600	$118,000 (+39.91%) Land $24,400 Building $93,600
2023		$70,000 Land $19,100 Building $50,900	$84,337 Land $23,012 Building $61,325

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1984)
Most Recent Claim	Apr 1984 · tidal / storm surge

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	None beyond ember reach

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	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 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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