3 Kellar Dr Ext, Bernhards Bay, NY 13028 Property Records

Oswego County and Constantia Town property record for 3 Kellar Dr Ext, Bernhards Bay, NY 13028

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,224 sqft · built 1920
Lot Size	0.899 acres (39,170 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jun 2017)
Tax Bill	$13,975 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352689 311.12-01-21.1`

Property Details

APN / Parcel Number

Primary APN	`352689 311.12-01-21.1`
Alternative APN	`268931101200010211000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,224 sqft Living Area
1st Floor Area	1,548 sqft
Upper Floors Area	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	39,170 sqft (0.899 acres)
Lot Dimensions	290 ft deep x 134 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	984 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3 KELLAR DRIVE EXT
City	BERNHARDS BAY
State	NY
Zip	13028-3184
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 126 MERWIN PARK LOTS 190-008-000 LF 185'
Legal Subdivision	MERWIN PARK
Legal Block	1
Legal Lot Number	21.100
Jurisdiction	OSWEGO NY
Township / Civil Division	CONSTANTIA
Census Block Group	2
Census Block	2087
Census Tract	20600

Owner

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	2 Individual Names on Record
Mailing Address	3 KELLAR DRIVE EXT, BERNHARDS BAY, NY 13028-3184
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage EMPOWER FCU
Aug 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA
Jun 12, 2017	Grant Deed, Transfer · Conventional Mortgage CRAIG L & KATHLEEN MURPHY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Prior Sale	Jan 26, 1998 · Amount on Record
Deed Document Number	20175285
Prior Transfer Date	Jun 9, 2017
Prior Transfer Doc	0000005285
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	3 KELLAR DRIVE EXT, BERNHARDS BAY, NY 13028-3184
Transaction Type	Mortgage
Record Updated	Jul 6, 2022
Title Company	CNY ABSTRACT & TTL SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 KELLAR DRIVE EXT, BERNHARDS BAY, NY 13028-3184

Mortgage

Document Number	0000006315
Date	Jun 13, 2022
Instrument	R-2022-006315

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2037

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	3 KELLAR DRIVE EXT, BERNHARDS BAY, NY 13028-3184
Document Number	0000006992
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Sep 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	566 MAIN ST PHOENIX NY 13135, PHOENIX, NY 13135

Mortgage

Document Number	0000006992
Date	Aug 14, 2019
Instrument	6992

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2039

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Jun 12, 2017
Property Address	3 KELLAR DRIVE EXT, BERNHARDS BAY, NY 13028-3184
Document Number	0000005285
Instrument Date	Jun 9, 2017
Instrument	5285
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 KELLAR DRIVE EXT BERNHARDS BAY NY 130283184, BERNHARDS BAY, NY 13028-3184

Mortgage

Document Number	5286
Date	Jun 12, 2017
Instrument	5286

Lender

Name	CRAIG L & KATHLEEN MURPHY
Address	3 KELLAR DRIVE EXT, BERNHARDS BAY, NY 13028-3184
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	1%

Tax Assessment & Valuation

Source: Oswego County and Constantia Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Constantia Town
Unified School District	Central Square Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,975.00 (+1.35%) Homeowner's exemption Veteran's exemption
2025	$13,789.00	$340,000 (-) Land $101,400 Building $238,600	$618,182 (+18.18%) Land $184,364 Building $433,818
2023		$340,000 Land $101,400 Building $238,600	$523,077 Land $156,000 Building $367,077

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 500 ft
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 94% of New York
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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