308 Main St, Phoenix, NY 13135 Property Records

Oswego County and Schroeppel Town property record for 308 Main St, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,796 sqft · built 1870
Lot Size	0.823 acres (35,875 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Nov 2019)
Tax Bill	$5,659 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355401 314.05-07-04`

Property Details

APN / Parcel Number

Primary APN	`355401 314.05-07-04`
Alternative APN	`540131400500070040000000`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,796 sqft Living Area
1st Floor Area	1,788 sqft
2nd Floor Area	1,008 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	35,875 sqft (0.823 acres)
Lot Dimensions	287 ft deep x 125 ft wide
Porch	Slab
Porch Area	528 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	308 MAIN ST
City	PHOENIX
State	NY
Zip	13135-2438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	7
Legal Lot Number	4.000
Jurisdiction	OSWEGO NY
Township / Civil Division	SCHROEPPEL
Census Block Group	1
Census Block	1004
Census Tract	20901

Owner

308 Main St is owned and occupied by two individuals who bought it in November 2019.

Source: Oswego County and Schroeppel Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	308 MAIN ST, PHOENIX, NY 13135-2438
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMPOWER FCU
Nov 7, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2019 · Amount on File
Deed Sale	Nov 7, 2019 · Amount on File
Deed Document Number	201910188
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	308 MAIN ST, PHOENIX, NY 13135-2438
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 MAIN ST, PHOENIX, NY 13135-2438

Mortgage

Document Number	0000003319
Date	Apr 23, 2024
Instrument	R-2024-003319

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	308 MAIN ST, PHOENIX, NY 13135-2438
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 MAIN ST, PHOENIX, NY 13135-2438

Mortgage

Document Number	0000004796
Date	Apr 29, 2021
Instrument	R-2021-004796

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 7, 2019
Property Address	308 MAIN ST, PHOENIX, NY 13135-2438
Document Number	0000000188
Instrument Date	Nov 5, 2019
Instrument	R-2019-010188
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	INDEPENDENT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 MAIN ST, 308, PHOENIX, NY 13135-2438

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	308 MAIN ST, PHOENIX, NY 13135-2438
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000189
Date	Nov 7, 2019
Instrument	R-2019-010189

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 308 Main St was $5,659, up 3.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Schroeppel Town
Municipality	Phoenix Village
Unified School District	Phoenix Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,659.00 (+3.34%)
2025	$5,476.00	$110,000 Land $18,400 Building $91,600	$244,444 Land $40,889 Building $203,555
2023		$110,000 Land $18,400 Building $91,600	$200,000 Land $33,455 Building $166,545

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 308 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	2 in force

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

Wildfire risk around 308 Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 91% 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.

Drinking Water

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

Water System	PHOENIX VILLAGE public/private · serves 2,138 people · EPA ID NY3704363
Water Source	Purchased surface water from OCWA
Last State Inspection	Oct 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Jan 2016
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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