38 Graves Rd, Central Square, NY 13036 Property Records

Oswego County and Palermo Town property record for 38 Graves Rd, Central Square, NY 13036

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,196 sqft · built 1976
Lot Size	2.11 acres (91,912 sqft)
Owner	Individual Name on Record
Tax Bill	$5,074 (2025)
Deeds & Mortgages	Jun 2018 Mortgage May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`354400 223.00-03-13.01`

Property Details

APN / Parcel Number

Primary APN	`354400 223.00-03-13.01`
Alternative APN	`440022300000030130100000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	91,912 sqft (2.11 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	120 sqft
Canopy	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 GRAVES RD
City	CENTRAL SQUARE
State	NY
Zip	13036-2287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LOT 18 389-036-000
Legal Block	3
Legal Lot Number	13.010
Jurisdiction	OSWEGO NY
Township / Civil Division	PALERMO
Census Block Group	1
Census Block	1031
Census Tract	20800

Owner

Source: Oswego County and Palermo Town records, as of April 30, 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 Record
Mailing Address	38 GRAVES RD, CENTRAL SQUARE, NY 13036-2287
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2018	Deed of Trust, Mortgage THE SUMMIT FCU
May 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	38 GRAVES RD, CENTRAL SQUARE, NY 13036-2287
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005452
Date	Jun 11, 2018
Instrument	R-2018-005452

Lender

Name	THE SUMMIT FCU
Type	Credit Union
Address	ROCHESTER, NY 14626

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2028

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	May 29, 2018
Property Address	38 GRAVES RD, CENTRAL SQUARE, NY 13036-2287
Document Number	0000005013
Instrument Date	May 29, 2018
Instrument	5013
Transaction Type	Transfer
Record Updated	Jun 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 GRAVES RD CENTRAL SQUARE NY 130362287, CENTRAL SQUARE, NY 13036-2287

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Palermo Town
Unified School District	Mexico Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,074.00	$152,500 (-) Land $17,000 Building $135,500	$211,806 (+22.22%) Land $23,611 Building $188,195
2023		$152,500 Land $17,000 Building $135,500	$173,295 Land $19,318 Building $153,977

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

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.

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 11 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

Cell Coverage

5G (outdoors only) and 4G LTE

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