234 E 10th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 234 E 10th St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,239 sqft · built 1900
Lot Size	0.078 acres (3,400 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Oct 2023)
Tax Bill	$1,853 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.57-04-08`

Property Details

APN / Parcel Number

Primary APN	`351200 128.57-04-08`
Alternative APNs	`120012805700040080000000` `5500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,239 sqft Living Area
1st Floor Area	1,239 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,400 sqft (0.078 acres)
Lot Dimensions	100 ft deep x 34 ft wide
Garage Type	Carport
Garage Area	136 sqft
Carport	Carport
Carport Area	136 sqft
Porch	Slab
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	5500
Street Address	234 E 10TH ST
City	OSWEGO
State	NY
Zip	13126-2829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Block	4
Legal Lot Number	8.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2009
Census Tract	21605

Owner

Source: Oswego County and Oswego City 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	234 E 10TH ST, OSWEGO, NY 13126-2829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PATHFINDER BANK
Oct 5, 2023	Warranty Deed, Transfer · Conventional Mortgage PATHFINDER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2023 · Amount on Record
Deed Sale	Oct 5, 2023 · Amount on Record
Prior Sale	Oct 31, 2016 · Amount on Record
Deed Document Number	2023R-2023-009062
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	234 E 10TH ST, OSWEGO, NY 13126-2829
Transaction Type	Mortgage
Record Updated	Oct 25, 2023
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 E 10TH ST, OSWEGO, NY 13126-2829

Mortgage

Document Number	0000009064
Date	Oct 5, 2023
Instrument	R-2023-009064

Lender

Name	PATHFINDER BANK
Type	Bank
Address	OSWEGO, NY 13126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 5, 2023
Property Address	234 E 10TH ST, OSWEGO, NY 13126-2829
Document Number	0000009062
Instrument Date	Sep 26, 2023
Instrument	R-2023-009062
Transaction Type	Transfer
Record Updated	Oct 25, 2023
Title Company	VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6140 HEATH RIDGE CT, CHARLOTTE, NC 28210-7101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 E 10TH ST, OSWEGO, NY 13126-2829

Mortgage

Document Number	0000009063
Date	Oct 5, 2023
Instrument	R-2023-009063

Lender

Name	PATHFINDER BANK
Type	Bank
Address	OSWEGO, NY 13126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

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
2026	$1,853.00 (-1.17%)
2025	$1,875.00	$100,000 (+92.31%) Land $17,100 Building $82,900	$100,000 (+59.61%) Land $17,100 Building $82,900
2023		$52,000 (-) Land $10,100 Building $41,900	$62,651 (+10.84%) Land $12,169 Building $50,482
2022		$52,000 Land $10,100 Building $41,900	$56,522 Land $10,978 Building $45,544

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 Policies	7 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

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.

Nearby Properties on E 10th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures