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

Oswego County and Oswego City property record for 345 W 3rd St, Oswego, NY 13126 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1.5 Baths
Architecture Style	Traditional
Year Built	Built 1910
Square Footage	1,416 sqft Living Area
Lot Size	5,000 sqft (0.114 acres)
Occupancy	Owner Occupied
Tax Bill	$2,323.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`351200 146.31-02-23`
Alternative APNs	`120014603100020230000000` `2060`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,416 sqft Living Area
1st Floor	1,056 sqft 1st Floor
Upper Floors	360 sqft Upper Floors
Stories	1 Stories

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	5,000 sqft (0.114 acres)
Depth X Width	100 ft x 50 ft Depth x Width
Shed	1 Shed
Patio Area	432 sqft Patio

Utilities and HVAC

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

Location & Zoning

Account Number	2060
Street Address	345 W 3RD ST
City	OSWEGO
State	NY
Zip	13126-3912
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Subdivision	THE VARICK TRACT
Legal Block	2
Legal Lot Number	23.000
Jurisdiction	OSWEGO NY
Minor Civil Division	OSWEGO
Census Blockgroup	1
Census Block	1003
Census Tract	21603

Owner

Source: Oswego County and Oswego City records · APN 351200 146.31-02-23

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	Individual Name on File
Mailing Address	345 W 3RD ST, OSWEGO, NY 13126-3912
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Jun 08, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	345 W 3RD ST, OSWEGO, NY 13126-3912
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 W 3RD ST, OSWEGO, NY 13126-3912

Mortgage

Document Number	0000009077
Date	Oct 06, 2023
Instrument	R-2023-009077

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Oswego County and Oswego City records · Assessment roll updated April 30, 2026 · Last verified May 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

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	$2,323.00	$130,000 (+62.5%) Land $28,700 Building $101,300	$130,000 (+34.87%) Land $28,700 Building $101,300
2023		$80,000 Land $13,100 Building $66,900	$96,386 Land $15,783 Building $80,603

Flood & Wildfire

345 W 3rd St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Oswego County (36075C), updated October 15, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.