223 Lower Rd, Constantia, NY 13044 Property Records

Oswego County and Constantia Town property record for 223 Lower Rd, Constantia, NY 13044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,484 sqft · built 1982
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Nov 2020)
Tax Bill	$7,125 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352689 295.00-04-14`

Property Details

APN / Parcel Number

Primary APN	`352689 295.00-04-14`
Alternative APN	`268929500000040140000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,484 sqft Living Area
1st Floor Area	1,824 sqft
2nd Floor Area	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Split Level
Exterior Material	Wood
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	544 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	223 LOWER RD
City	CONSTANTIA
State	NY
Zip	13044-2617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 051-006-000
Legal Subdivision	SCRIBAS PATENT
Legal Block	4
Legal Lot Number	14.000
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 September 23, 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	233 LOWER RD, CONSTANTIA, NY 13044-2617
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage M&T BK
Nov 10, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Mar 3, 1997 · Amount on Record
Deed Document Number	202010864
Prior Transfer Date	Aug 17, 2011
Prior Transfer Doc	0000007995
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	223 LOWER RD, CONSTANTIA, NY 13044-2617
Transaction Type	Mortgage
Record Updated	Jul 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 LOWER RD, CONSTANTIA, NY 13044-2617

Mortgage

Document Number	0000005466
Date	Jun 30, 2023
Instrument	R-2023-005466

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	CONSTANTIA, NY 13044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	223 LOWER RD, CONSTANTIA, NY 13044-2617
Document Number	0000010865
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9078 BEACH RD BREWERTON NY 130298630, BREWERTON, NY 13029-8630

Mortgage

Document Number	0000010865
Date	Nov 10, 2020
Instrument	10865

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 10, 2020
Property Address	223 LOWER RD, CONSTANTIA, NY 13044-2617
Document Number	0000010864
Instrument Date	Oct 29, 2020
Instrument	10864
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9078 BEACH RD BREWERTON NY 130298630, BREWERTON, NY 13029-8630

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
2026	$7,125.00 (+1.45%)
2025	$7,023.00	$162,000 (-) Land $17,500 Building $144,500	$294,545 (+18.18%) Land $31,818 Building $262,727
2023		$162,000 Land $17,500 Building $144,500	$249,231 Land $26,923 Building $222,308

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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