357 W 5th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 357 W 5th St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,301 sqft · built 1860
Lot Size	0.076 acres (3,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Feb 2022)
Tax Bill	$2,131 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`351200 146.31-04-16`

Property Details

APN / Parcel Number

Primary APN	`351200 146.31-04-16`
Alternative APNs	`120014603100040160000000` `4251`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,301 sqft Living Area
1st Floor Area	977 sqft
Upper Floors Area	228 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,333 sqft (0.076 acres)
Lot Dimensions	100 ft deep x 33.3 ft wide
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	4251
Street Address	357 W 5TH ST
City	OSWEGO
State	NY
Zip	13126-3928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Subdivision	SUBDIVISION NO 3 MILITARY LOT NO 7
Legal Block	4
Legal Lot Number	16.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1008
Census Tract	21603

Owner

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	357 W 5TH ST, OSWEGO, NY 13126-3928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Warranty Deed, Transfer · FHA Mortgage NBT BANK NATIONAL ASSOCIATION
May 18, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2022 · Amount on Record
Deed Sale	Feb 17, 2022 · Amount on Record
Prior Sale	Aug 12, 2009 · Amount on Record
Deed Document Number	20221673
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Feb 17, 2022
Property Address	357 W 5TH ST, OSWEGO, NY 13126-3928
Document Number	0000001673
Instrument Date	Feb 2, 2022
Instrument	R-2022-001673
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 WISHING LN, 56, HICKSVILLE, NY 11801-6423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 W 5TH ST, OSWEGO, NY 13126-3840

Mortgage

Document Number	0000001674
Date	Feb 17, 2022
Instrument	R-2022-001674

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	May 18, 2017
Property Address	357 W 5TH ST, OSWEGO, NY 13126-3928
Document Number	0000004469
Instrument Date	May 12, 2017
Instrument	4469
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 WISHING LN HICKSVILLE NY 118016423, HICKSVILLE, NY 11801-6423

Tax Assessment & Valuation

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	$2,131.00 (-1.16%)
2025	$2,156.00	$115,000 (+123.3%) Land $25,600 Building $89,400	$115,000 (+85.34%) Land $25,600 Building $89,400
2023		$51,500 Land $9,200 Building $42,300	$62,048 Land $11,084 Building $50,964

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
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

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.

Nearby Properties on W 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures