2327 State Rte 48, Fulton, NY 13069 Property Records

Oswego County and Minetto Town property record for 2327 State Rte 48, Fulton, NY 13069

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,680 sqft · built 1977
Lot Size	6.68 acres (290,981 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Aug 2023)
Tax Bill	$6,539 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`353600 201.11-01-03`

Property Details

APN / Parcel Number

Primary APN	`353600 201.11-01-03`
Alternative APN	`360020101100010030000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,120 sqft
Upper Floors Area	560 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	290,981 sqft (6.68 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	438 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2327 STATE ROUTE 48
City	FULTON
State	NY
Zip	13069-4142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	3.000
Jurisdiction	OSWEGO NY
Township / Civil Division	MINETTO
Census Block Group	1
Census Block	1044
Census Tract	21402

Owner

2327 State Rte 48 is owned and occupied by two individuals who bought it in August 2023.

Source: Oswego County and Minetto Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2327 STATE ROUTE 48, FULTON, NY 13069-4142
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA
Aug 29, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage COMMUNITY BANK NA
Aug 31, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023 · Amount on File
Deed Sale	Aug 29, 2023 · Amount on File
Deed Document Number	20237611
Prior Transfer Date	Apr 7, 2015
Prior Transfer Doc	0000002708
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	2327 STATE ROUTE 48, FULTON, NY 13069-4142
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2327 STATE ROUTE 48, FULTON, NY 13069-4142

Mortgage

Document Number	0000001083
Date	Feb 9, 2026
Instrument	R-2026-001083

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 29, 2023
Property Address	2327 STATE ROUTE 48, FULTON, NY 13069-4142
Document Number	0000007611
Instrument Date	Jul 21, 2023
Instrument	R-2023-007611
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44 E BRIDGE ST, OSWEGO, NY 13126-2123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 WATERBURY DR, SYRACUSE, NY 13212-2721

Mortgage

Document Number	0000007612
Date	Aug 29, 2023
Instrument	R-2023-007612

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 31, 2022
Property Address	2327 STATE ROUTE 48, FULTON, NY 13069-4142
Document Number	0000009513
Instrument Date	Aug 30, 2022
Instrument	R-2022-009513
Transaction Type	Transfer
Record Updated	Feb 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 E BRIDGE ST, OSWEGO, NY 13126-2118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 E BRIDGE ST, OSWEGO, NY 13126-2123

Tax Assessment & Valuation

The 2026 property tax bill for 2327 State Rte 48 was $6,539, up 2.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Minetto Town
Unified School District	Fulton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,539.00 (+2.27%)
2025	$6,394.00	$145,000 Land $29,400 Building $115,600	$223,077 Land $45,231 Building $177,846
2023		$145,000 Land $29,400 Building $115,600	$185,897 Land $37,692 Building $148,205

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

Flood

FEMA maps place 2327 State Rte 48 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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	6 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2007 · 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

Wildfire risk around 2327 State Rte 48 is low, with 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCWA public/private · serves 350,000 people · EPA ID NY3304336
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

Cell Coverage

5G and 4G LTE (outdoors only)

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