285 1/4 Walnut St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 285 1/4 Walnut St, Oswego, NY 13126

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,790 sqft · built 1987
Owner	2 Individual Names on Record
Last Sale	$135,000 (Dec 2025)
Tax Bill	$3,420 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.58-07-11.02`

Property Details

APN / Parcel Number

Primary APN	`351200 128.58-07-11.02`
Alternative APNs	`120012805800070110200000` `6303`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,790 sqft Total Area
1st Floor Area	1,440 sqft
Basement Area	1,350 sqft
Finished Basement	1,350 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Dimensions	124 ft deep x 79.6 ft wide
Porch	Slab
Porch Area	317 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	6303
Street Address	285 1/4 WALNUT ST
City	OSWEGO
State	NY
Zip	13126-3424
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TN2
Legal Subdivision	HAMILTONS GORE
Legal Block	7
Legal Lot Number	11.020
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1004
Census Tract	21604

Owner

Source: Oswego County and Oswego City records, as of April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	285 1 4 WALNUT ST, OSWEGO, NY 13126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Administrator's Deed, Transfer · Conventional Mortgage PATHFINDER BANK
Dec 26, 2018	Warranty Deed, Transfer · VA Mortgage PARAGON HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Sep 24, 1993 · Amount on Record
Deed Document Number	2025R2025011557
Record Updated	Oct 29, 2026

December 2025: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	OSWEGO NY
Recording Date	Dec 23, 2025
Property Address	285 1/4 WALNUT ST, OSWEGO, NY 13126-3424
Document Number	0000001557
Instrument Date	Dec 18, 2025
Instrument	R-2025-011557
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1212 COUNTY ROUTE 53, OSWEGO, NY 13126-6126

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	285 1 4 WALNUT ST, OSWEGO, NY 13126

Mortgage

Document Number	0000001558
Date	Dec 23, 2025
Instrument	R-2025-011558

Lender

Name	PATHFINDER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Dec 26, 2018
Property Address	285 1/4 WALNUT ST, OSWEGO, NY 13126-3424
Document Number	0000012572
Instrument Date	Dec 18, 2018
Instrument	12572
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$418.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 MYERS RD OSWEGO NY 131266602, OSWEGO, NY 13126-6602

Mortgage

Document Number	12573
Date	Dec 26, 2018
Instrument	12573

Lender

Name	PARAGON HM LNS
Type	Funding / Finance Company
Address	EAST SYRACUSE, NY 13057

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2048

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
2025	$3,420.00 (-34.1%)	$209,000 (-) Land $21,600 Building $187,400	$209,000 (-) Land $21,600 Building $187,400
2024	$5,190.00 Disabled Person's exemption Veteran's exemption	$209,000 (+1%) Land $21,600 Building $187,400	$209,000 (+66%) Land $21,600 Building $187,400
2023		$104,500 Land $15,400 Building $89,100	$125,904 Land $18,554 Building $107,350

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1979–1986)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Nov 1986 · tidal / storm surge

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 210 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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