402 Ridge Rd, Oswego, NY 13126 Property Records

Oswego County and Oswego Town property record for 402 Ridge Rd, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,697 sqft · built 1880
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,762 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`354200 183.00-03-24.01`

Property Details

APN / Parcel Number

Primary APN	`354200 183.00-03-24.01`
Alternative APN	`420018300000030240100000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,697 sqft Living Area
1st Floor Area	1,262 sqft
Upper Floors Area	435 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	508 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	402 RIDGE RD
City	OSWEGO
State	NY
Zip	13126-6591
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 389-001-000
Legal Block	3
Legal Lot Number	24.010
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1031
Census Tract	21401

Owner

Source: Oswego County and Oswego Town records · APN 354200 183.00-03-24.01

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	2 Individual Names on File
Mailing Address	402 RIDGE RD, OSWEGO, NY 13126-6591
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	402 RIDGE RD, OSWEGO, NY 13126-6591
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 RIDGE RD, OSWEGO, NY 13126-6591

Mortgage

Document Number	0000005458
Date	May 13, 2021
Instrument	R-2021-005458

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2036

Tax Assessment & Valuation

Source: Oswego County and Oswego Town records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Oswego Town
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	$3,762.00	$103,000 (-) Land $24,000 Building $79,000	$168,852 (+13.11%) Land $39,344 Building $129,508
2023		$103,000 Land $24,000 Building $79,000	$149,275 Land $34,783 Building $114,492

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 360750214011, 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 · sampled at 19 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	OCWA public/private · serves 350,000 people
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) 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.