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

Oswego County and Oswego City property record for 270 E 10th St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,040 sqft · built 1840
Lot Size	0.143 acres (6,237 sqft)
Owner	Individual Name on Record
Last Sale	$19,500 (Feb 2016)
Tax Bill	$1,723 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`351200 128.57-04-20.02`

Property Details

APN / Parcel Number

Primary APN	`351200 128.57-04-20.02`
Alternative APN	`120012805700040200200000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,040 sqft Living Area
1st Floor Area	1,200 sqft
2nd Floor Area	600 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,237 sqft (0.143 acres)
Lot Dimensions	94.5 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	143 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	270 E 10TH ST
City	OSWEGO
State	NY
Zip	13126-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Block	4
Legal Lot Number	20.020
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2016
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	270 E 10TH ST, OSWEGO, NY 13126-2832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2025	Deed of Trust, Mortgage · Line of Credit OSWEGO COUNTY FCU
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMPOWER FCU
Nov 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EMPOWER FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2016 · Amount on Record
Deed Sale	Feb 3, 2016 · Amount on Record
Prior Sale	May 9, 2014 · Amount on Record
Deed Document Number	2016893
Prior Transfer Date	Jan 25, 2016
Prior Transfer Doc	0000000893
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	270 E 10TH ST, OSWEGO, NY 13126-2832
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 E 10TH ST, OSWEGO, NY 13126-2832

Mortgage

Document Number	0000007064
Date	Aug 19, 2025
Instrument	R-2025-007064

Lender

Name	OSWEGO COUNTY FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 18, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	270 E 10TH ST, OSWEGO, NY 13126-2832
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 E ONEIDA ST, OSWEGO, NY 13126-2353

Mortgage

Document Number	0000004263
Date	Nov 30, 2021
Instrument	R-2021-014263

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	270 E 10TH ST, OSWEGO, NY 13126-2832
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 E ONEIDA ST, OSWEGO, NY 13126-2353

Mortgage

Document Number	0000004264
Date	Nov 30, 2021
Instrument	R-2021-014264

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$1,723.00 (-1.15%)
2025	$1,743.00	$93,000 (+61.74%) Land $19,700 Building $73,300	$93,000 (+34.24%) Land $19,700 Building $73,300
2023		$57,500 Land $7,500 Building $50,000	$69,277 Land $9,036 Building $60,241

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 100 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.

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