39 E Cayuga St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 39 E Cayuga St, Oswego, NY 13126

Property Summary

Property Type	Parking Lot
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$107,998 (Jun 2009)
Tax Bill	$243 (2025)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.47-04-31.2`

Property Details

APN / Parcel Number

Primary APN	`351200 128.47-04-31.2`
Alternative APN	`120012804700040312000000`

Exterior

Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	66 ft deep x 35 ft wide
Patio Area	6,300 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	39 E CAYUGA ST
City	OSWEGO
State	NY
Zip	13126-1152
Property Category	Commercial
Property Type	Commercial > Retail > Parking Lot
Local Zoning Code	TB
Legal Subdivision	EAST OSWEGO
Legal Block	4
Legal Lot Number	31.200
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1064
Census Tract	21605

Owner

Source: Oswego County and Oswego City records · APN 351200 128.47-04-31.2

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	60 W 6TH ST, OSWEGO, NY 13126-1534
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 16, 2009 · Amount on Record
Deed Sale	Jun 16, 2009 · Amount on Record
Prior Sale	Sep 27, 2007 · Amount on Record
Deed Document Number	2009R-2009-005553
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	39 E CAYUGA ST, OSWEGO, NY 13126
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001121
Date	Dec 11, 2025
Instrument	R-2025-011121

Lender

Name	FULTON SAVINGS BANK
Type	Bank
Address	FULTON, NY 13069

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	229 Months
Due	Jan 01, 2045

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$243.00	$13,000 (+8.33%) Land $13,000	$13,000 (-10.08%) Land $13,000
2023		$12,000 Land $11,000 Building $1,000	$14,458 Land $13,253 Building $1,205

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oswego County (36075C), as of October 15, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360750216051, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 94% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Washington Square Historic District listed 2010 · 41 contributing resources · NRIS 09001270

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 644 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY3704361, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OSWEGO CITY serves 29,400 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.