Oswego County and Palermo Town property record for 403 Lot Ten Rd, Central Square, NY 13036
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,200 sqft · built 2022 |
| Lot Size | 11 acres (480,467 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $7,000 (Dec 2005) |
| Tax Bill | $10,417 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Jun 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 354400 206.00-02-12.1 |
| Primary APN | 354400 206.00-02-12.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,200 sqft Living Area |
| 1st Floor Area | 1,700 sqft |
| 2nd Floor Area | 1,500 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 480,467 sqft (11 acres) |
| Garage Type | Detached |
| Garage Area | 1,800 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
| Heating System | Hot Water |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 403 LOT TEN RD |
|---|---|
| City | CENTRAL SQUARE |
| State | NY |
| Zip | 13036-2231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 2 |
| Legal Lot Number | 12.100 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | PALERMO |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 20800 |
Source: Oswego County and Palermo 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 | 6156 HEDDY LN, CICERO, NY 13039-9300 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PATHFINDER BANK |
| Jun 28, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2005 · Amount on Record |
| Deed Sale | Dec 9, 2005 · Amount on Record |
| Prior Sale | Aug 18, 1995 · Amount on Record |
| Deed Document Number | 200516643 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 403 LOT TEN RD, CENTRAL SQUARE, NY 13036-2231 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 403 LOT TEN RD, CENTRAL SQUARE, NY 13036-2231 |
| Document Number | 0000005501 |
|---|---|
| Date | May 25, 2022 |
| Instrument | R-2022-005501 |
| Name | PATHFINDER BANK |
|---|---|
| Type | Bank |
| Address | OSWEGO, NY 13126 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 367 Months |
| Due | Dec 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Jun 28, 2018 |
| Property Address | 403 LOT TEN RD, CENTRAL SQUARE, NY 13036 |
| Document Number | 0000006060 |
| Instrument Date | Jun 18, 2018 |
| Instrument | 6060 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $74.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 410 DIVISION ST FULTON NY 130692617, FULTON, NY 13069-2617 |
Source: Oswego County and Palermo Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Palermo Town |
| Unified School District | Mexico Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,417.00 (+7.95%) | ||
| 2025 | $9,650.00 | $290,000 (-) Land $30,000 Building $260,000 | $402,778 (+22.22%) Land $41,667 Building $361,111 |
| 2023 | $290,000 Land $30,000 Building $260,000 | $329,545 Land $34,091 Building $295,454 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
4G LTE only, no 5G reported
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