Oswego County and Oswego City property record for 320 W 3rd St, Oswego, NY 13126 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1900 |
| Square Footage | 2,164 sqft Living Area |
| Lot Size | 11,250 sqft (0.258 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $252,000 (2025) |
| Tax Bill | $3,375.00 (2025) |
| Primary APN | 351200 146.23-06-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,164 sqft Living Area |
| 1st Floor | 1,786 sqft 1st Floor |
| Upper Floors | 378 sqft Upper Floors |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 11,250 sqft (0.258 acres) |
| Depth X Width | 150 ft x 75 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 780 sqft Garage |
| Pool Type | Above-Ground Pool Pool Type |
| Shed | 1 Shed |
| Porch Area | 348 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 4229 |
|---|---|
| Street Address | 320 W 3RD ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-3919 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | VARICK TRACT |
| Legal Block | 6 |
| Legal Lot Number | 15.000 |
| Jurisdiction | OSWEGO NY |
| Minor Civil Division | OSWEGO |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 21603 |
Source: Oswego County and Oswego City records · APN 351200 146.23-06-15
Assessment roll updated April 30, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 1219 FAY ST, FULTON, NY 13069-4589 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Sep 16, 2025 | Warranty Deed, Transfer · Conventional Mortgage EMPOWER FCU |
| Aug 19, 2020 | Deed of Trust, Mortgage · Line of Credit PATHFINDER BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on Record |
| Deed Sale | Sep 16, 2025 · Amount on Record |
| Prior Sale | Jul 06, 2007 · Amount on Record |
| Deed Doc Number | 2025R2025008046 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Sep 16, 2025 |
| Property Address | 320 W 3RD ST, OSWEGO, NY 13126-3919 |
| Document Number | 0000008046 |
| Instrument Date | Aug 14, 2025 |
| Instrument | R-2025-008046 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,008.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 W 3RD ST, OSWEGO, NY 13126-3919 |
| Name | Verified Name |
|---|---|
| Address | 1219 FAY ST, FULTON, NY 13069-4589 |
| Document Number | 0000008047 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | R-2025-008047 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 320 W 3RD ST, OSWEGO, NY 13126-3919 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | VANGUARD RESEARCH & TTL SVCS |
| Name | Verified Name |
|---|
| Document Number | 0000006970 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | R-2020-006970 |
| Name | PATHFINDER BANK |
|---|---|
| Type | Bank |
| Address | OSWEGO, NY 13126 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 10, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Oswego County and Oswego City records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,375.00 (-44.73%) | $180,000 (-) Land $22,200 Building $157,800 | $180,000 (-) Land $22,200 Building $157,800 |
| 2024 | $6,106.00 Homeowner's exemption | $180,000 (+40.63%) Land $22,200 Building $157,800 | $180,000 (+16.72%) Land $22,200 Building $157,800 |
| 2023 | $128,000 Land $13,000 Building $115,000 | $154,217 Land $15,663 Building $138,554 |
Source: FEMA National Flood Hazard Layer, Oswego County (36075C), updated October 15, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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