409 Charles Ave, Syracuse, NY 13209 Property Records

Onondaga County and Geddes Town property record for 409 Charles Ave, Syracuse, NY 13209

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,288 sqft · built 1920
Lot Size	0.163 acres (7,134 sqft)
Owner	Individual Name on File
Last Sale	$64,900 (Mar 1998)
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`313201 012.-03-12.0`

Property Details

APN / Parcel Number

Primary APN	`313201 012.-03-12.0`
Alternative APN	`320101200000030120000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,288 sqft Living Area
1st Floor Area	664 sqft
2nd Floor Area	624 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	7,134 sqft (0.163 acres)
Lot Dimensions	123 ft deep x 58 ft wide
Porch	Slab
Porch Area	276 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 CHARLES AVE
City	SYRACUSE
State	NY
Zip	13209-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	GLENWOOD LTS PT 7, 8 1112868
Legal Block	3
Legal Lot Number	12.000
Jurisdiction	ONONDAGA NY
Township / Civil Division	GEDDES
Census Block Group	4
Census Block	4003
Census Tract	13000

Owner

409 Charles Ave is owned and occupied by an individual who bought it in March 1998.

Source: Onondaga County and Geddes Town records, as of September 30, 2026

Owner of Record	Individual Name on File
Mailing Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 9, 2026	Deed of Trust, Mortgage · Line of Credit EMPOWER FEDERAL CREDIT UNION
Jun 15, 2023	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
May 13, 2022	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Sep 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance EMPOWER FCU
Sep 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EMPOWER FCU
Sep 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance EMPOWER FCU
Oct 24, 2018	Deed of Trust, Mortgage EMPOWER FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 1998 · Amount on File
Deed Sale	Mar 17, 1998 · Amount on File
Deed Book / Page	4224 / 249
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Recording Date	Sep 9, 2026
Property Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703
Document Number	0000030390
Instrument Date	Aug 22, 2026
Instrument	202630390
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703

Mortgage

Document Number	0000030390,
Date	Sep 9, 2026
Instrument	202630390

Lender

Name	EMPOWER FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703
Transaction Type	Mortgage
Record Updated	Jul 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000018614
Date	Jun 15, 2023
Instrument	20230-00018614

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000019323
Date	May 13, 2022
Instrument	20220-00019323

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19000035248
Date	Sep 23, 2019
Instrument	190-00035248

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2029

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020000034817
Date	Sep 28, 2020
Instrument	20200-00034817

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19000035251
Date	Sep 23, 2019
Instrument	190-00035251

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2029

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	409 CHARLES AVE, SYRACUSE, NY 13209-1703
Transaction Type	Mortgage
Record Updated	Nov 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18000048903
Date	Oct 24, 2018
Instrument	180-00048903

Lender

Name	EMPOWER FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	171 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 409 Charles Ave was $4,032 with a homeowner's exemption.

Source: Onondaga County and Geddes Town assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	New York
County	Onondaga County
County Subdivision	Geddes Town
Municipality	Solvay Village
Unified School District	Solvay Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,032.00	$58,700 Land $11,600 Building $47,100	$118,874 Land $23,491 Building $95,383
2023	Homeowner's exemption	$58,700 Land $11,600 Building $47,100	$93,920 Land $18,560 Building $75,360

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

Flood

FEMA maps place 409 Charles Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 409 Charles Ave is low, with less than 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 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 588 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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