40 Culvert St, Phoenix, NY 13135 Property Records

Oswego County and Schroeppel Town property record for 40 Culvert St, Phoenix, NY 13135

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,606 sqft · built 1920
Lot Size	0.093 acres (4,050 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Jan 2023)
Tax Bill	$3,344 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355401 303.20-07-08`

Property Details

APN / Parcel Number

Primary APN	`355401 303.20-07-08`
Alternative APN	`540130302000070080000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,606 sqft Total Area
1st Floor Area	803 sqft
2nd Floor Area	803 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	4,050 sqft (0.093 acres)
Lot Dimensions	75 ft deep x 54 ft wide
Porch	Slab
Porch Area	101 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 CULVERT ST
City	PHOENIX
State	NY
Zip	13135-1937
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NB
Legal Subdivision	CULVERT STREET
Legal Block	7
Legal Lot Number	8.000
Jurisdiction	OSWEGO NY
Township / Civil Division	SCHROEPPEL
Census Block Group	2
Census Block	2025
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	40 CULVERT ST, PHOENIX, NY 13135-1937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Sep 10, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICU CU
Jan 23, 2023	Warranty Deed, Transfer · Seller Carry-Back GERALD NOLAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Jan 20, 2005 · Amount on Record
Deed Document Number	2023684
Prior Transfer Date	Nov 8, 2000
Prior Transfer Doc	2001001152
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Recording Date	Jul 27, 2026
Property Address	40 CULVERT ST, PHOENIX, NY 13135-1937
Document Number	0000006548
Instrument Date	Jul 22, 2026
Instrument	20266548
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 MYSTIC ST, 2, CHARLESTOWN, MA 02129-1916

Mortgage

Document Number	0000006548,
Date	Jul 27, 2026
Instrument	20266548

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	40 CULVERT ST, PHOENIX, NY 13135-1937
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CULVERT ST 1, 1, PHOENIX, NY 13135-1937

Mortgage

Document Number	0000007842
Date	Sep 10, 2025
Instrument	R-2025-007842

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 5, 2040

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 23, 2023
Property Address	40 CULVERT ST, PHOENIX, NY 13135-1937
Document Number	0000000684
Instrument Date	Dec 23, 2022
Instrument	R-2023-000684
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 DAVIS ST, PHOENIX, NY 13135-2066

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CULVERT ST, PHOENIX, NY 13135-1937

Mortgage

Document Number	0000000685
Date	Jan 23, 2023
Instrument	R-2023-000685

Lender

Name	GERALD NOLAN
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

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	$3,344.00 (+3.34%)
2025	$3,236.00	$65,000 (-) Land $7,500 Building $57,500	$144,444 (+22.22%) Land $16,667 Building $127,777
2023		$65,000 Land $7,500 Building $57,500	$118,182 Land $13,636 Building $104,546

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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	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	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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