Oswego County and Oswego City property record for 245 Mitchell St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 980 sqft · built 1932 |
| Lot Size | 8.17 acres (355,885 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Apr 2021) |
| Tax Bill | $2,224 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 110.76-01-03 |
| Primary APN | 351200 110.76-01-03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| 1st Floor Area | 980 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 355,885 sqft (8.17 acres) |
| Garage Type | Mixed |
| Garage Area | 719 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 126 sqft |
| Patio Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 6494 |
|---|---|
| Street Address | 245 MITCHELL ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-1279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IN |
| Legal Description | B 18, L 36 068-016-000 |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 21605 |
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 | 245 MITCHELL ST, OSWEGO, NY 13126-1279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2022 | Deed of Trust, Mortgage · Line of Credit EMPOWER FCU |
| Apr 6, 2021 | Deed, Transfer · Conventional Mortgage KEY BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2021 · Amount on Record |
| Deed Sale | Apr 6, 2021 · Amount on Record |
| Prior Sale | Dec 22, 1999 · Amount on Record |
| Deed Document Number | 2021R-2021-003817 |
| Prior Transfer Date | Mar 31, 2021 |
| Prior Transfer Doc | 0000003818 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 245 MITCHELL ST, OSWEGO, NY 13126-1279 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 245 MITCHELL ST, OSWEGO, NY 13126-1279 |
| Document Number | 0000007956 |
|---|---|
| Date | Jul 22, 2022 |
| Instrument | R-2022-007956 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Apr 6, 2021 |
| Property Address | 245 MITCHELL ST, OSWEGO, NY 13126-1279 |
| Document Number | 0000003817 |
| Instrument Date | Mar 31, 2021 |
| Instrument | R-2021-003817 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 2037 COUNTY ROUTE 1, 2037, OSWEGO, NY 13126-5923 |
| Name | Verified Name |
|---|---|
| Address | 245 MITCHELL ST, OSWEGO, NY 13126-1279 |
| Document Number | 0000003818 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | R-2021-003818 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
Source: Oswego County and Oswego City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,224.00 (-1.16%) | ||
| 2025 | $2,250.00 | $120,000 (+30.43%) Land $83,400 Building $36,600 | $120,000 (+8.26%) Land $83,400 Building $36,600 |
| 2023 | $92,000 Land $38,000 Building $54,000 | $110,843 Land $45,783 Building $65,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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