397 Main St, Phoenix, NY 13135 Property Records

Oswego County and Schroeppel Town property record for 397 Main St, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,620 sqft · built 1825
Lot Size	0.187 acres (8,168 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Sep 2023)
Tax Bill	$6,649 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355401 314.05-02-14`

Property Details

APN / Parcel Number

Primary APN	`355401 314.05-02-14`
Alternative APN	`540131400500020140000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,620 sqft Living Area
1st Floor Area	1,560 sqft
2nd Floor Area	1,060 sqft
Upper Floors Area	368 sqft

Exterior

Year Built	Built 1825
Effective Year Built	Effective 1825
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,168 sqft (0.187 acres)
Lot Dimensions	123 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	390 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	397 MAIN ST
City	PHOENIX
State	NY
Zip	13135-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Block	2
Legal Lot Number	14.000
Jurisdiction	OSWEGO NY
Township / Civil Division	SCHROEPPEL
Census Block Group	1
Census Block	1016
Census Tract	20901

Owner

Source: Oswego County and Schroeppel Town 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	Individual Name on Record
Mailing Address	397 MAIN ST, PHOENIX, NY 13135-2422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed, Transfer · Conventional Mortgage HUNT MORTGAGE
Jul 11, 2023	Intrafamily Transfer, Transfer
Jan 26, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Prior Sale	Jan 26, 2021 · Amount on Record
Deed Document Number	20238638
Prior Transfer Date	Apr 27, 2023
Prior Transfer Doc	0000005731
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 26, 2023
Property Address	397 MAIN ST, PHOENIX, NY 13135-2422
Document Number	0000008638
Instrument Date	Sep 18, 2023
Instrument	R-2023-008638
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	397 MAIN ST, PHOENIX, NY 13135-2422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 WESTBROOK HILLS DR, SYRACUSE, NY 13215-1816

Mortgage

Document Number	0000008639
Date	Sep 26, 2023
Instrument	R-2023-008639

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Oct 1, 2033
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year T-Bill
Max Rate	11.8%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSWEGO NY
Recording Date	Jul 11, 2023
Property Address	397 MAIN ST, PHOENIX, NY 13135-2422
Document Number	0000005731
Instrument Date	Apr 27, 2023
Instrument	R-2023-005731
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	397 MAIN ST, PHOENIX, NY 13135-2422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MAIN ST, PHOENIX, NY 13135-2422

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 26, 2021
Property Address	397 MAIN ST, PHOENIX, NY 13135-2422
Document Number	0000000947
Instrument Date	Jan 14, 2021
Instrument	R-2021-000947
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	397 MAIN ST, 397, PHOENIX, NY 13135-2422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 OAKLAND AVE, FARMINGTON, CT 06032-1720

Mortgage

Document Number	0000000948
Date	Jan 26, 2021
Instrument	R-2021-000948

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Schroeppel Town
Municipality	Phoenix Village
Unified School District	Phoenix Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,649.00 (+3.33%)
2025	$6,435.00	$129,250 (+10.47%) Land $10,100 Building $119,150	$287,222 (+35.02%) Land $22,444 Building $264,778
2023		$117,000 (-22%) Land $10,100 Building $106,900	$212,727 (-7.82%) Land $18,364 Building $194,363
2022		$150,000 Land $10,100 Building $139,900	$230,769 Land $15,538 Building $215,231

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Direct burnable vegetation

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	PHOENIX VILLAGE public/private · serves 2,138 people · EPA ID NY3704363
Water Source	Purchased surface water from OCWA
Last State Inspection	Oct 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Jan 2016
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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