235 Johnson Rd, Bernhards Bay, NY 13028 Property Records

Oswego County and Constantia Town property record for 235 Johnson Rd, Bernhards Bay, NY 13028

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,704 sqft · built 1992
Lot Size	98 acres (4,271,494 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,283 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352689 297.00-01-04`

Property Details

APN / Parcel Number

Primary APN	`352689 297.00-01-04`
Alternative APN	`268929700000010040000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,704 sqft Living Area
1st Floor Area	2,028 sqft
2nd Floor Area	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	4,271,494 sqft (98 acres)
Garage Type	Mixed
Garage Area	2,307 sqft
Parking Spaces	9 Parking Spaces
Porch	Patio
Porch Area	1,104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	235 JOHNSON RD
City	BERNHARDS BAY
State	NY
Zip	13028-3113
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 108-109 082-010-000
Legal Subdivision	SCRIBAS LOCATION
Legal Block	1
Legal Lot Number	4.000
Jurisdiction	OSWEGO NY
Township / Civil Division	CONSTANTIA
Census Block Group	2
Census Block	2066
Census Tract	20600

Owner

235 Johnson Rd, a rural home, is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	235 JOHNSON RD, BERNHARDS BAY, NY 13028-3113
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 2, 2022	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Jun 20, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	235 JOHNSON RD, BERNHARDS BAY, NY 13028-3113
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 JOHNSON RD, BERNHARDS BAY, NY 13028-3113

Mortgage

Document Number	0000001135
Date	Feb 2, 2022
Instrument	R-2022-001135

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	235 JOHNSON RD, BERNHARDS BAY, NY 13028-3113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005837
Date	Jul 15, 2019
Instrument	R-2019-005837

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	Jun 20, 2019
Property Address	235 JOHNSON RD, BERNHARDS BAY, NY 13028-3113
Document Number	0000005024
Instrument Date	Jun 16, 2019
Instrument	5024
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	235 JOHNSON RD BERNHARDS BAY NY 130283113, BERNHARDS BAY, NY 13028-3113

Tax Assessment & Valuation

The 2026 property tax bill for 235 Johnson Rd was $11,283, up 1.4% from the year before.

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	$11,283.00 (+1.42%)
2025	$11,125.00	$275,600 Land $72,400 Building $203,200	$501,091 Land $131,636 Building $369,455
2023		$275,600 Land $72,400 Building $203,200	$424,000 Land $111,385 Building $312,615

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

Flood

FEMA maps place 235 Johnson Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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 File 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

Wildfire risk around 235 Johnson Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G and 4G LTE (outdoors only)

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