40 E 11th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 40 E 11th St, Oswego, NY 13126 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,083 sqft · built 1900
Lot Size	0.075 acres (3,300 sqft)
Owner	Individual Name on File
Last Sale	$53,500 (Jan 2019)
Tax Bill	$1,179 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`351200 128.25-02-11`

Property Details

APN / Parcel Number

Primary APN	`351200 128.25-02-11`
Alternative APNs	`120012802500020110000000` `5102`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,083 sqft Living Area
1st Floor Area	855 sqft
Upper Floors Area	228 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,300 sqft (0.075 acres)
Lot Dimensions	100 ft deep x 33 ft wide
Porch	Slab
Porch Area	166 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5102
Street Address	40 E 11TH ST
City	OSWEGO
State	NY
Zip	13126-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	11.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1036
Census Tract	21605

Owner

Source: Oswego County and Oswego City records · APN 351200 128.25-02-11

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	40 E 11TH ST, OSWEGO, NY 13126-1229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 07, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICU CU
Jan 08, 2019	Grant Deed, Transfer · Conventional with PMI AMERICU CU
Jan 08, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 08, 2019 · Amount on Record
Deed Sale	Jan 08, 2019 · Amount on Record
Prior Sale	Feb 11, 2002 · Amount on Record
Deed Document Number	2019245
Prior Transfer Date	Dec 28, 2001
Prior Transfer Doc	2002002300
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	40 E 11TH ST, OSWEGO, NY 13126-1229
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E 11TH ST, OSWEGO, NY 13126-1229

Mortgage

Document Number	0000000373
Date	Nov 07, 2023
Instrument	R-2023-010373

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 02, 2043

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 08, 2019
Property Address	40 E 11TH ST, OSWEGO, NY 13126-1229
Document Number	0000000245
Instrument Date	Jan 03, 2019
Instrument	245
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	BANKERS TITLE CORPORATION, BANKERS TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$214.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E 11TH ST OSWEGO NY 131261229, OSWEGO, NY 13126-1229

Mortgage

Document Number	248
Date	Jan 08, 2019
Instrument	248

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 07, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 08, 2019
Property Address	40 E 11TH ST, OSWEGO, NY 13126-1229
Document Number	0000000247
Instrument Date	Dec 28, 2018
Instrument	247
Transaction Type	Transfer
Record Updated	Feb 20, 2019

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6549 STATE ROUTE 90 N CAYUGA NY 130343205, CAYUGA, NY 13034-3205

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,179.00	$94,000 (+80.77%) Land $14,000 Building $80,000	$94,000 (+50.04%) Land $14,000 Building $80,000
2023		$52,000 Land $7,400 Building $44,600	$62,651 Land $8,916 Building $53,735

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 150 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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