409 State St, Fulton, NY 13069 Property Records

Oswego County and Fulton City property record for 409 State St, Fulton, NY 13069

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,493 sqft · built 1850
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on File
Last Sale	$66,500 (Aug 2020)
Tax Bill	$3,894 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`350400 236.73-04-10`

Property Details

APN / Parcel Number

Primary APN	`350400 236.73-04-10`
Alternative APNs	`040023607300040100000000` `1641`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,493 sqft Living Area
1st Floor Area	827 sqft
2nd Floor Area	505 sqft
Upper Floors Area	161 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1641
Street Address	409 STATE ST
City	FULTON
State	NY
Zip	13069-2634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	M 3, B 122, PL 6-11 211-007-000
Legal Subdivision	FULTON
Legal Block	4
Legal Lot Number	10.000
Jurisdiction	OSWEGO NY
Township / Civil Division	FULTON
Census Block Group	1
Census Block	1007
Census Tract	21102

Owner

409 State St is owned and occupied by two individuals who bought it in August 2020.

Source: Oswego County and Fulton City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 STATE ST, FULTON, NY 13069-2634
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2020 · Amount on File
Deed Sale	Aug 27, 2020 · Amount on File
Prior Sale	Jul 14, 2015 · Amount on File
Deed Document Number	20207313
Prior Transfer Date	Jun 4, 2015
Prior Transfer Doc	0000006214
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 27, 2020
Property Address	409 STATE ST, FULTON, NY 13069-2634
Document Number	0000007313
Instrument Date	Aug 18, 2020
Instrument	R-2020-007313
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	CNY ABSTRACT & TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	270 DENNISON RD, 270, HANNIBAL, NY 13074-2264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 CLEMONS DR # C, C, FULTON, NY 13069-4822

Mortgage

Document Number	0000007314
Date	Aug 27, 2020
Instrument	R-2020-007314

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 409 State St was $3,894, up 5.2% from the year before.

Source: Oswego County and Fulton City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
Municipality	Fulton City
Unified School District	Fulton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,894.00 (+5.16%)
2025	$3,703.00	$72,000 Land $6,700 Building $65,300	$94,737 Land $8,816 Building $85,921
2023		$72,000 (-) Land $6,700 Building $65,300	$78,261 (+8.7%) Land $7,283 Building $70,978
2022		$72,000 Land $6,700 Building $65,300	$72,000 Land $6,700 Building $65,300

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

Flood

FEMA maps place 409 State St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective October 15, 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	2 in force
Nearby Flood Claims	12 (1978–2011)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Sep 2011 · rainfall accumulation

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 State St 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	FULTON CITY serves 16,600 people · EPA ID NY3704355
Water Source	Purchased surface water from OCWA
Last State Inspection	Sep 2025
Lead	3 ppb (2024–2026) 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 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20