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

Oswego County and Oswego City property record for 226 E 2nd St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,254 sqft · built 1900
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on Record
Tax Bill	$1,140 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`351200 128.72-01-19`

Property Details

APN / Parcel Number

Primary APN	`351200 128.72-01-19`
Alternative APNs	`120012807200010190000000` `2698`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,254 sqft Living Area
1st Floor Area	840 sqft
2nd Floor Area	414 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	158 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2698
Street Address	226 E 2ND ST
City	OSWEGO
State	NY
Zip	13126-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TB
Legal Subdivision	HAMILTONS GORE
Legal Block	1
Legal Lot Number	19.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3023
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	Company Name on Record
Mailing Address	76 NIAGARA ST, OSWEGO, NY 13126-3853
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
Apr 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	226 E 2ND ST, OSWEGO, NY 13126-3105
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4250 STATE ROUTE 104 1, 1, MEXICO, NY 13114-3239

Mortgage

Document Number	0000007832
Date	Sep 10, 2025
Instrument	R-2025-007832

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	Apr 22, 2020
Property Address	226 E 2ND ST, OSWEGO, NY 13126-3105
Document Number	0000003193
Instrument Date	Apr 17, 2020
Instrument	3193
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1887 COUNTY ROUTE 7 OSWEGO NY 131265639, OSWEGO, NY 13126-5639

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	$1,140.00	$60,800 (+55.9%) Land $19,100 Building $41,700	$60,800 (+29.39%) Land $19,100 Building $41,700
2023		$39,000 Land $8,600 Building $30,400	$46,988 Land $10,361 Building $36,627

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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