403 Pendergast Rd, Phoenix, NY 13135 Property Records

Oswego County and Granby Town property record for 403 Pendergast Rd, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1951
Lot Size	0.806 acres (35,110 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Dec 2025)
Tax Bill	$6,450 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`352800 288.04-02-12`

Property Details

APN / Parcel Number

Primary APN	`352800 288.04-02-12`
Alternative APN	`280028800400020120000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	35,110 sqft (0.806 acres)
Lot Dimensions	351 ft deep x 100 ft wide
Garage Type	Basement

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	216 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	403 PENDERGAST RD
City	PHOENIX
State	NY
Zip	13135-4235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	12.000
Jurisdiction	OSWEGO NY
Township / Civil Division	GRANBY
Census Block Group	1
Census Block	1005
Census Tract	21203

Owner

403 Pendergast Rd is owned by two individuals who bought it in December 2025.

Source: Oswego County and Granby Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	176 PINNACLE HILL RD, FULTON, NY 13069-4355
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Warranty Deed, Transfer · Conventional Mortgage SENECA SAVINGS BANK NA
Jan 11, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 17, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 11, 2018	Tax Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on File
Deed Sale	Dec 5, 2025 · Amount on File
Prior Sale	Jan 11, 2023 · Amount on File
Deed Document Number	2025R2025010907
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Dec 5, 2025
Property Address	403 PENDERGAST RD, PHOENIX, NY 13135-4235
Document Number	0000000907
Instrument Date	Dec 5, 2025
Instrument	R-2025-010907
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 PENDERGAST RD, PHOENIX, NY 13135-4235

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	176 PINNACLE HILL RD, FULTON, NY 13069-4355

Mortgage

Document Number	0000000908
Date	Dec 5, 2025
Instrument	R-2025-010908

Lender

Name	SENECA SAVINGS BANK NA
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 11, 2023
Property Address	403 PENDERGAST RD, PHOENIX, NY 13135-4235
Document Number	0000000292
Instrument Date	Dec 29, 2022
Instrument	R-2023-000292
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 CEDARWOOD BLVD, BALDWINSVILLE, NY 13027-2701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	815 HANNIBAL ST, FULTON, NY 13069-1021

Mortgage

Document Number	0000000293
Date	Jan 11, 2023
Instrument	R-2023-000293

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Feb 17, 2021
Property Address	403 PENDERGAST RD, PHOENIX, NY 13135-4235
Document Number	0000001772
Instrument Date	Feb 8, 2021
Instrument	R-2021-001772
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$628.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5860 MCKINLEY RD, 5860, BREWERTON, NY 13029-9691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 PENDERGAST RD, PHOENIX, NY 13135-4235

Mortgage

Document Number	0000001773
Date	Feb 17, 2021
Instrument	R-2021-001773

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2018: Tax Deed, Transfer

Document Type	Tax Deed
Jurisdiction	OSWEGO NY
Recording Date	Dec 11, 2018
Property Address	403 PENDERGAST RD, PHOENIX, NY 13135-4235
Document Number	0000012155
Instrument Date	Nov 14, 2018
Instrument	12155
Transaction Type	Transfer
Record Updated	Jan 25, 2019

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5860 MCKINLEY RD BREWERTON NY 130299691, BREWERTON, NY 13029-9691
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 403 Pendergast Rd was $6,450, up 1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,450.00 (+0.97%)
2025	$6,388.00 (-0.36%)	$145,000 (-) Land $10,900 Building $134,100	$241,667 (+8.33%) Land $18,167 Building $223,500
2024	$6,411.00	$145,000 (-) Land $10,900 Building $134,100	$223,077 (+9.23%) Land $16,769 Building $206,308
2023		$145,000 Land $10,900 Building $134,100	$204,225 Land $15,352 Building $188,873

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

Flood

FEMA maps place 403 Pendergast Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 403 Pendergast Rd is low, with a 0.01% annual chance of 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	OCWA public/private · serves 350,000 people · EPA ID NY3304336
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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