Oswego County and Oswego City property record for 322 W 5th St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,208 sqft · built 1900 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $82,000 (Aug 2020) |
| Tax Bill | $1,872 (2026) |
| Deeds & Mortgages | Apr 2019 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 146.23-07-13 |
| Primary APN | 351200 146.23-07-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,208 sqft Living Area |
| 1st Floor Area | 642 sqft |
| 2nd Floor Area | 336 sqft |
| Upper Floors Area | 229 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Porch | Slab |
| Porch Area | 231 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3148 |
|---|---|
| Street Address | 322 W 5TH ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-3922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN1 |
| Legal Subdivision | VARICK TRACT |
| Legal Block | 7 |
| Legal Lot Number | 13.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 21603 |
Source: Oswego County and Oswego City 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 W 5TH ST, OSWEGO, NY 13126-3922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2019 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EMPOWER FCU |
| Aug 27, 2020 | Deed, Transfer · Conventional Mortgage EMPOWER FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2020 · Amount on Record |
| Deed Sale | Aug 27, 2020 · Amount on Record |
| Deed Document Number | 20207316 |
| Prior Transfer Date | Oct 19, 2007 |
| Prior Transfer Doc | 0000015640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 322 W 5TH ST, OSWEGO, NY 13126-3922 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002914 |
|---|---|
| Date | Apr 11, 2019 |
| Instrument | R-2019-002914 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 322 W 5TH ST, OSWEGO, NY 13126-3922 |
| Document Number | 0000007318 |
| Instrument Date | Aug 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | INGEO |
| Name | Verified Name |
|---|---|
| Address | 29 BIRCH LN #11E OSWEGO NY 131264257, 11E, OSWEGO, NY 13126-4257 |
| Document Number | 0000007318 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 7318 |
| Name | EMPOWER FCU |
|---|---|
| Address | SYRACUSE, NY 13212 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Aug 27, 2020 |
| Property Address | 322 W 5TH ST, OSWEGO, NY 13126-3922 |
| Document Number | 0000007316 |
| Instrument Date | Aug 24, 2020 |
| Instrument | R-2020-007316 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | CNY ABSTRACT & TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $328.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 29 BIRCH LN # 11, 11, OSWEGO, NY 13126-4299 |
| Document Number | 0000007317 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | R-2020-007317 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Number | 0000007318 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | R-2020-007318 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Oswego County and Oswego City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,872.00 (-1.11%) | ||
| 2025 | $1,893.00 | $101,000 (+23.17%) Land $22,200 Building $78,800 | $101,000 (+2.23%) Land $22,200 Building $78,800 |
| 2023 | $82,000 Land $16,400 Building $65,600 | $98,795 Land $19,759 Building $79,036 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSWEGO CITY serves 29,400 people · EPA ID NY3704361 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2025–2027) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 579 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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