438 Middle Rd, Oswego, NY 13126 Property Records

Oswego County and Scriba Town property record for 438 Middle Rd, Oswego, NY 13126

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,096 sqft · built 1995
Lot Size	6.63 acres (288,803 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Mar 2026)
Tax Bill	$5,507 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`355600 112.00-02-18.05`

Property Details

APN / Parcel Number

Primary APN	`355600 112.00-02-18.05`
Alternative APN	`560011200000020180500000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,096 sqft Total Area
1st Floor Area	1,496 sqft
2nd Floor Area	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood
Foundation Type	Raised
Lot Area	288,803 sqft (6.63 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	466 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	438 MIDDLE RD
City	OSWEGO
State	NY
Zip	13126-5880
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NONE
Legal Description	LOT 70, 83 693-015-000
Legal Subdivision	SCRIBAS PATENT
Legal Block	2
Legal Lot Number	18.050
Jurisdiction	OSWEGO NY
Township / Civil Division	SCRIBA
Census Block Group	2
Census Block	2039
Census Tract	21504

Owner

438 Middle Rd, a duplex, is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	438 MIDDLE RD, OSWEGO, NY 13126-5880
Occupancy	Owner Occupied
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
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit OSWEGO COUNTY FEDERAL CREDIT UNION
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on File
Deed Sale	Mar 10, 2026 · Amount on File
Prior Sale	Nov 13, 2009 · Amount on File
Deed Document Number	20262073
Prior Transfer Date	Feb 4, 2026
Prior Transfer Doc	0000002073
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Recording Date	Jun 10, 2026
Property Address	438 MIDDLE RD, OSWEGO, NY 13126-5880
Document Number	0000004944
Instrument Date	Jun 5, 2026
Instrument	20264944
Transaction Type	Mortgage
Record Updated	Jul 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 MIDDLE RD, OSWEGO, NY 13126-5880

Mortgage

Document Number	0000004944,
Date	Jun 10, 2026
Instrument	20264944

Lender

Name	OSWEGO COUNTY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months

Interest

Rate Type	Adjustable Rate
Rate	5.72%
Initial Type	Adjustable Rate
Change Frequency	Monthly
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Mar 10, 2026
Property Address	438 MIDDLE RD, OSWEGO, NY 13126-5880
Document Number	0000002073
Instrument Date	Feb 4, 2026
Instrument	R-2026-002073
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	142 SPRING DR, PORT ORANGE, FL 32129-7899

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	438 MIDDLE RD, OSWEGO, NY 13126-5880

Mortgage

Document Number	0000002074
Date	Mar 10, 2026
Instrument	R-2026-002074

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 438 Middle Rd was $5,507 with a homeowner's exemption, down 4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,507.00 (-4.03%) Homeowner's exemption
2025	$5,738.00	$162,000 Land $29,500 Building $132,500	$270,000 Land $49,167 Building $220,833
2023		$162,000 Land $29,500 Building $132,500	$238,235 Land $43,382 Building $194,853

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

Flood

FEMA maps place 438 Middle Rd in Zone X, an area of minimal flood risk.

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	3 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 438 Middle 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	Direct burnable vegetation

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	SCRIBA WD (OSWEGO) serves 9,044 people · EPA ID NY3730037
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	2 ppb (2025–2027) 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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