305 Ridge Rd, Oswego, NY 13126 Property Records

Oswego County and Oswego Town property record for 305 Ridge Rd, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1994
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on Record
Last Sale	$44,550 (Jan 2002)
Tax Bill	$3,228 (2026)
Deeds & Mortgages	Jan 2018 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`354200 183.00-06-13.02`

Property Details

APN / Parcel Number

Primary APN	`354200 183.00-06-13.02`
Alternative APN	`420018300000060130200000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	78,408 sqft (1.8 acres)
Porch	Slab
Porch Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	305 RIDGE RD
City	OSWEGO
State	NY
Zip	13126-6590
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LOT 35 391-024-000
Legal Block	6
Legal Lot Number	13.020
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1032
Census Tract	21401

Owner

Source: Oswego County and Oswego 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	305 RIDGE RD, OSWEGO, NY 13126-6590
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2018	Deed of Trust, Mortgage SUSTAINABLE NEIGHBORHOODS LLC
May 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEW YORK ST AFFORDABLE HSNG
Oct 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2002 · Amount on Record
Deed Sale	Jan 2, 2002 · Amount on Record
Prior Sale	Nov 5, 1999 · Amount on Record
Deed Book / Page	2002 / 56
Last Transfer Date	Sep 23, 2017
Transfer Doc	0000010162
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	305 RIDGE RD, OSWEGO, NY 13126-6590
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000059
Date	Jan 3, 2018
Instrument	R-2018-000059

Lender

Name	SUSTAINABLE NEIGHBORHOODS LLC
Type	Non-Lending Institution
Address	NEW YORK, NY 10004

Agreement

Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	305 RIDGE RD, OSWEGO, NY 13126-6590
Document Number	0000005410
Instrument Date	May 30, 2018
Transaction Type	Mortgage
Record Updated	Jun 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 RIDGE RD OSWEGO NY 131266590, OSWEGO, NY 13126-6590

Mortgage

Document Number	0000005410
Date	Jun 8, 2018
Instrument	5410

Lender

Name	NEW YORK ST AFFORDABLE HSNG
Address	NEW YORK, NY 10022

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 16, 2017
Property Address	305 RIDGE RD, OSWEGO, NY 13126-6590
Document Number	0000010162
Instrument Date	Sep 23, 2017
Instrument	10162
Transaction Type	Transfer
Record Updated	Nov 22, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 RIDGE RD OSWEGO NY 131266590, OSWEGO, NY 13126-6590

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,228.00 (+10.74%) Homeowner's exemption
2025	$2,915.00	$79,800 (-) Land $24,700 Building $55,100	$130,820 (+13.12%) Land $40,492 Building $90,328
2023		$79,800 Land $24,700 Building $55,100	$115,652 Land $35,797 Building $79,855

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 Claims	1 (1996)
Most Recent Claim	Jan 1996 · 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 80% of the US · above 54% of New York
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCWA public/private · serves 350,000 people · EPA ID NY3304336
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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