Oswego County and Constantia Town property record for 296 Lower Rd, Constantia, NY 13044
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,828 sqft · built 2010 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Nov 2019) |
| Tax Bill | $6,216 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352689 295.00-02-04.01 |
| Primary APN | 352689 295.00-02-04.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,828 sqft Living Area |
| 1st Floor Area | 1,828 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 65,340 sqft (1.5 acres) |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 48 sqft |
| Pole Barn | Pole Barn |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 296 LOWER RD |
|---|---|
| City | CONSTANTIA |
| State | NY |
| Zip | 13044-2615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | TOWNSHIP NO 11 OF SCRIBA S PATENT |
| Legal Block | 2 |
| Legal Lot Number | 4.010 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | CONSTANTIA |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 20600 |
Source: Oswego County and Constantia Town assessment roll, 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 | Individual Name on File |
|---|---|
| Mailing Address | 296 LOWER RD, CONSTANTIA, NY 13044-2615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 14, 2019 | Warranty Deed, Transfer · FHA Mortgage M & T BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 14, 2019 · Amount on Record |
| Deed Sale | Nov 14, 2019 · Amount on Record |
| Prior Sale | Aug 9, 2007 · Amount on Record |
| Deed Document Number | 201910438 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 296 LOWER RD, CONSTANTIA, NY 13044-2615 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 296 LOWER RD, CONSTANTIA, NY 13044-2615 |
| Document Number | 0000000290 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | R-2023-000290 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Dec 1, 2062 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Nov 14, 2019 |
| Property Address | 296 LOWER RD, CONSTANTIA, NY 13044-2615 |
| Document Number | 0000000438 |
| Instrument Date | Nov 3, 2019 |
| Instrument | R-2019-010438 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 296 LOWER RD, 296, CONSTANTIA, NY 13044-2615 |
| Name | Verified Name |
|---|---|
| Address | 7172 BEEBE BRIDGE RD, CANASTOTA, NY 13032-4569 |
| Document Number | 0000000439 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | R-2019-010439 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
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 |
|---|---|---|---|
| 2025 | $6,216.00 | $141,500 (-) Land $16,300 Building $125,200 | $257,273 (+18.18%) Land $29,636 Building $227,637 |
| 2023 | $141,500 Land $16,300 Building $125,200 | $217,692 Land $25,077 Building $192,615 |
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 |
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 USA Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures