331 Bankrupt Rd, Phoenix, NY 13135 Property Records

Oswego County and Schroeppel Town property record for 331 Bankrupt Rd, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,596 sqft · built 1956
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Jan 1994)
Tax Bill	$4,474 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355489 272.00-04-21`

Property Details

APN / Parcel Number

Primary APN	`355489 272.00-04-21`
Alternative APN	`548927200000040210000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,328 sqft
Upper Floors Area	268 sqft
Attic	Attic
Attic Area	268 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	130,680 sqft (3 acres)
Garage Type	Detached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	140 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	331 BANKRUPT RD
City	PHOENIX
State	NY
Zip	13135-2180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 69 034-011-000
Legal Subdivision	SCRIBAS PATENT
Legal Block	4
Legal Lot Number	21.000
Jurisdiction	OSWEGO NY
Township / Civil Division	SCHROEPPEL
Census Block Group	2
Census Block	2022
Census Tract	20904

Owner

331 Bankrupt Rd is owned and occupied by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	331 BANKRUPT RD, PHOENIX, NY 13135-2180
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
Aug 13, 2021	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Aug 6, 2021	Intrafamily Transfer, Transfer
Oct 28, 2020	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 1994 · Amount on File
Deed Sale	Jan 5, 1994 · Amount on File
Deed Book / Page	1238 / 229
Last Transfer Date	Aug 4, 2021
Transfer Doc	0000009054
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	331 BANKRUPT RD, PHOENIX, NY 13135-2180
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 BANKRUPT RD, PHOENIX, NY 13135-2180

Mortgage

Document Number	0000009274
Date	Aug 13, 2021
Instrument	R-2021-009274

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSWEGO NY
Recording Date	Aug 6, 2021
Property Address	331 BANKRUPT RD, PHOENIX, NY 13135-2180
Document Number	0000009054
Instrument Date	Aug 4, 2021
Instrument	R-2021-009054
Transaction Type	Transfer
Record Updated	Aug 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	331 BANKRUPT RD, PHOENIX, NY 13135-2180

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	331 BANKRUPT RD, PHOENIX, NY 13135-2180
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 BANKRUPT RD, PHOENIX, NY 13135-2180

Mortgage

Document Number	0000010279
Date	Oct 28, 2020
Instrument	R-2020-010279

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 331 Bankrupt Rd was $4,474 with a homeowner's exemption, up 0.8% 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
Unified School District	Phoenix Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,474.00 (+0.79%) Homeowner's exemption
2025	$4,439.00	$72,000 Land $18,500 Building $53,500	$160,000 Land $41,111 Building $118,889
2023		$72,000 Land $18,500 Building $53,500	$130,909 Land $33,636 Building $97,273

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

Flood

FEMA maps place 331 Bankrupt Rd in Zone X, an area of minimal flood risk.

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 Policies	8 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 331 Bankrupt Rd is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

Cell Coverage

5G and 4G LTE (outdoors only)

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