341 W 3rd St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 341 W 3rd St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,836 sqft · built 1890
Lot Size	0.114 acres (5,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,817 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 146.31-02-24`

Property Details

APN / Parcel Number

Primary APN	`351200 146.31-02-24`
Alternative APNs	`120014603100020240000000` `3375`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,836 sqft Living Area
1st Floor Area	918 sqft
2nd Floor Area	918 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	294 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3375
Street Address	341 W 3RD ST
City	OSWEGO
State	NY
Zip	13126-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Subdivision	THE VARICK TRACK
Legal Block	2
Legal Lot Number	24.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1003
Census Tract	21603

Owner

341 W 3rd St is owned and occupied by two individuals who acquired it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	341 W 3RD ST, OSWEGO, NY 13126-3912
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 20, 2019	Deed of Trust, Mortgage MONEY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 12, 2025
Transfer Doc	0000001760
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	341 W 3RD ST, OSWEGO, NY 13126-3912
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 W 3RD ST, OSWEGO, NY 13126-3912

Mortgage

Document Number	0000000694
Date	Sep 16, 2021
Instrument	R-2021-010694

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	18226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	117 Months
Due	Jun 1, 2031

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	341 W 3RD ST, OSWEGO, NY 13126-3912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001463
Date	Feb 20, 2019
Instrument	R-2019-001463

Lender

Name	MONEY FEDERAL CREDIT UNION
Type	Non-Lending Institution
Address	SYRACUSE, NY 13202

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 341 W 3rd St was $3,817, down 1.2% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
Municipality	Oswego City
Unified School District	Oswego City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,817.00 (-1.17%)
2025	$3,862.00	$206,000 Land $28,700 Building $177,300	$206,000 Land $28,700 Building $177,300
2023		$110,000 Land $13,100 Building $96,900	$132,530 Land $15,783 Building $116,747

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

Flood

FEMA maps place 341 W 3rd St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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	2 in force
Nearby Flood Claims	8 (1979–2011)
Most Recent Claim	Sep 2011 · river or lake flooding

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 341 W 3rd St 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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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