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41 E Cayuga St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 41 E Cayuga St, Oswego, NY 13126

Property Summary

Property TypeTriplex
Details5 bd · 3 ba · 1,892 sqft · built 1920
Lot Size0.056 acres (2,442 sqft)
OwnerCompany Name on Record
Last Sale$138,000 (Aug 2025)
Tax Bill$2,962 (2025)
Deeds & MortgagesDec 2025 Mortgage
Aug 2025 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN351200 128.47-04-11

Property Details

APN / Parcel Number

Primary APN351200 128.47-04-11
Alternative APNs
  • 120012804700040110000000
  • 1847 M

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,892 sqft Total Area
1st Floor Area1,188 sqft
2nd Floor Area704 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area2,442 sqft (0.056 acres)
Lot Dimensions66 ft deep x 37 ft wide
PorchSlab
Porch Area450 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number1847 M
Street Address41 E CAYUGA ST
CityOSWEGO
StateNY
Zip13126-1166
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Local Zoning CodeTB
Legal Block4
Legal Lot Number11.000
JurisdictionOSWEGO NY
Township / Civil DivisionOSWEGO
Census Block Group1
Census Block1064
Census Tract21605

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Washington Square Historic District
listed 2010 · 41 contributing resources · NRIS 09001270

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Oswego County and Oswego City records, as of April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address2920 STATE ROUTE 3, FULTON, NY 13069-4881
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Dec 11, 2025Deed of Trust, Mortgage · Commercial Mortgage
FULTON SAVINGS BANK
Aug 14, 2025Warranty Deed, Transfer
VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS
Aug 25, 2022Warranty Deed, Transfer · Conventional Mortgage
PATHFINDER BANK
May 6, 2019Warranty Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 14, 2025 · Amount on Record
Deed SaleAug 14, 2025 · Amount on Record
Prior SaleAug 25, 2022 · Amount on Record
Deed Document Number2025R2025006889
Record UpdatedJun 8, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSWEGO NY
Property Address41 E CAYUGA ST, OSWEGO, NY 13126-1166
Transaction TypeMortgage
Record UpdatedJan 30, 2026
Title CompanyCNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001121
DateDec 11, 2025
InstrumentR-2025-011121
Lender
NameFULTON SAVINGS BANK
TypeBank
AddressFULTON, NY 13069
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term229 Months
DueJan 1, 2045

August 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSWEGO NY
Recording DateAug 14, 2025
Property Address41 E CAYUGA ST, OSWEGO, NY 13126-1166
Document Number0000006889
Instrument DateJul 25, 2025
InstrumentR-2025-006889
Transaction TypeTransfer
Record UpdatedOct 13, 2025
Title CompanyVANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

AmountAmount Recorded
Tax$552.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address60 W 6TH ST, OSWEGO, NY 13126-1534

Transferred To (Grantee/Buyer)

NameVerified Name
Address2920 STATE ROUTE 3, FULTON, NY 13069-4881

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSWEGO NY
Recording DateAug 25, 2022
Property Address41 E CAYUGA ST, OSWEGO, NY 13126-1166
Document Number0000009272
Instrument DateAug 2, 2022
InstrumentR-2022-009272
Transaction TypeTransfer
Record UpdatedSep 27, 2022
Title CompanyVANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$352.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 845, OSWEGO, NY 13126-0845

Transferred To (Grantee/Buyer)

NameVerified Name
Address60 W 6TH ST, OSWEGO, NY 13126-1534

Mortgage

Document Number0000009273
DateAug 25, 2022
InstrumentR-2022-009273
Lender
NamePATHFINDER BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term61 Months
DueSep 1, 2027

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSWEGO NY
Recording DateMay 6, 2019
Property Address41 E CAYUGA ST, OSWEGO, NY 13126-1166
Document Number0000003639
Instrument DateMay 3, 2019
Instrument3639
Transaction TypeTransfer
Record UpdatedJun 5, 2019
Title CompanyNOT AVAILABLE

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
AddressPO BOX 845 OSWEGO NY 131260845, OSWEGO, NY 13126-0845

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyOswego County
MunicipalityOswego City
Unified School DistrictOswego City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,962.00 (-41.58%)$158,000 (-) Land $13,200 Building $144,800$158,000 (-) Land $13,200 Building $144,800
2024$5,070.00$158,000 (+102.56%) Land $13,200 Building $144,800$158,000 (+68.13%) Land $13,200 Building $144,800
2023$78,000 Land $6,500 Building $71,500$93,976 Land $7,831 Building $86,145

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 94% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemOSWEGO CITY
serves 29,400 people · EPA ID NY3704361
Water SourceSurface water
Last State InspectionDec 2025
Lead3 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 644 locations within half a mile, as of December 31, 2025

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

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