Oswego County and Constantia Town property record for 295 Lower Rd, Constantia, NY 13044
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,752 sqft · built 1974 |
| Lot Size | 1.96 acres (85,378 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Aug 2021) |
| Tax Bill | $6,330 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352689 295.00-03-06 |
| Primary APN | 352689 295.00-03-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| 1st Floor Area | 1,752 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 85,378 sqft (1.96 acres) |
| Garage Type | Detached |
| Garage Area | 948 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 192 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 295 LOWER RD |
|---|---|
| City | CONSTANTIA |
| State | NY |
| Zip | 13044-2615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | SCRIBAS PATENT |
| Legal Block | 3 |
| Legal Lot Number | 6.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | CONSTANTIA |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 20600 |
Source: Oswego County and Constantia Town 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 | 295 LOWER RD, CONSTANTIA, NY 13044-2615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Dec 17, 2018 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2021 · Amount on Record |
| Deed Sale | Aug 16, 2021 · Amount on Record |
| Prior Sale | Oct 26, 1995 · Amount on Record |
| Deed Document Number | 20219362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Aug 16, 2021 |
| Property Address | 295 LOWER RD, CONSTANTIA, NY 13044-2615 |
| Document Number | 0000009362 |
| Instrument Date | Aug 9, 2021 |
| Instrument | R-2021-009362 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2021 |
| Title Company | INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $920.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 295 LOWER RD, 295, CONSTANTIA, NY 13044-2615 |
| Name | Verified Name |
|---|---|
| Address | 11 BIRCH LN, WEST MONROE, NY 13167-3217 |
| Document Number | 0000009363 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | R-2021-009363 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Dec 17, 2018 |
| Property Address | 295 LOWER RD, CONSTANTIA, NY 13044-2615 |
| Document Number | 0000012294 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 12294 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 80 BAUM RD HASTINGS NY 130763161, HASTINGS, NY 13076-3161 |
| Document Number | 12295 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 12295 |
| Name | PREMIUM MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROCHESTER, NY 14618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2048 |
Source: Oswego County and Constantia Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Constantia Town |
| Unified School District | Central Square Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,330.00 (+2.23%) | ||
| 2025 | $6,192.00 | $142,065 (+5.94%) Land $17,400 Building $124,665 | $258,300 (+25.2%) Land $31,636 Building $226,664 |
| 2023 | $134,100 Land $17,400 Building $116,700 | $206,308 Land $26,769 Building $179,539 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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