322 Main St, Phoenix, NY 13135 Property Records

Oswego County and Schroeppel Town property record for 322 Main St, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,426 sqft · built 1951
Lot Size	0.395 acres (17,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Jan 2008)
Tax Bill	$5,402 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355401 314.05-07-09`

Property Details

APN / Parcel Number

Primary APN	`355401 314.05-07-09`
Alternative APN	`540131400500070090000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,426 sqft Living Area
1st Floor Area	790 sqft
Upper Floors Area	636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	17,204 sqft (0.395 acres)
Lot Dimensions	134 ft deep x 128 ft wide
Garage Type	Mixed
Garage Area	792 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	322 MAIN ST
City	PHOENIX
State	NY
Zip	13135-2438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BLOCK 160 057-009-000
Legal Block	7
Legal Lot Number	9.000
Jurisdiction	OSWEGO NY
Township / Civil Division	SCHROEPPEL
Census Block Group	1
Census Block	1004
Census Tract	20901

Owner

Source: Oswego County and Schroeppel 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	322 MAIN ST, PHOENIX, NY 13135-2438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Line of Credit PATHFINDER BANK
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PATHFINDER BANK
Apr 17, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2008 · Amount on Record
Deed Sale	Jan 11, 2008 · Amount on Record
Deed Document Number	2008423
Prior Transfer Date	Jan 7, 2008
Prior Transfer Doc	0000000423
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	322 MAIN ST, PHOENIX, NY 13135-2438
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 MAIN ST, PHOENIX, NY 13135-2438

Mortgage

Document Number	0000009418
Date	Oct 16, 2023
Instrument	R-2023-009418

Lender

Name	PATHFINDER BANK
Type	Bank
Address	OSWEGO, NY 13126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 18, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	322 MAIN ST, PHOENIX, NY 13135-2438
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 MAIN ST, PHOENIX, NY 13135-2438

Mortgage

Document Number	0000007020
Date	Aug 20, 2020
Instrument	R-2020-007020

Lender

Name	PATHFINDER BANK
Type	Bank
Address	OSWEGO, NY 13126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2030

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Apr 17, 2017
Property Address	322 MAIN ST, PHOENIX, NY 13135-2438
Document Number	0000003400
Instrument Date	Apr 13, 2017
Instrument	3400
Transaction Type	Transfer
Record Updated	May 9, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 MAIN ST PHOENIX NY 131352438, PHOENIX, NY 13135-2438

Tax Assessment & Valuation

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	$5,402.00 (+3.35%) Homeowner's exemption
2025	$5,227.00	$105,000 (-) Land $16,900 Building $88,100	$233,333 (+22.22%) Land $37,556 Building $195,777
2023		$105,000 Land $16,900 Building $88,100	$190,909 Land $30,727 Building $160,182

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
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

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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