445 Ridge Rd, Oswego, NY 13126 Property Records

Oswego County and Oswego Town property record for 445 Ridge Rd, Oswego, NY 13126

Property Summary

Property Type	Rural Home
Details	4 bd · 1.5 ba · 1,920 sqft · built 1965
Lot Size	33.9 acres (1,479,733 sqft)
Owner	2 Company Names on File
Tax Bill	$4,795 (2025)
Deeds & Mortgages	Oct 2025 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`354200 183.00-02-08`

Property Details

APN / Parcel Number

Primary APN	`354200 183.00-02-08`
Alternative APN	`420018300000020080000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,920 sqft Living Area
1st Floor Area	940 sqft
2nd Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	1,479,733 sqft (33.9 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	445 RIDGE RD
City	OSWEGO
State	NY
Zip	13126-6591
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Description	LOT 28 066-004-000
Legal Block	2
Legal Lot Number	8.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1032
Census Tract	21401

Owner

Source: Oswego County and Oswego Town records · APN 354200 183.00-02-08

Assessment roll updated April 30, 2026 · Last verified May 2026

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

Owner of Record	2 Company Names on File
Mailing Address	445 RIDGE RD, OSWEGO, NY 13126-6591
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	445 RIDGE RD, OSWEGO, NY 13126-6591
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 E ALBANY ST, OSWEGO, NY 13126-3206

Mortgage

Document Number	0000009444
Date	Oct 23, 2025
Instrument	R-2025-009444

Lender

Name	FULTON SAVINGS BANK
Type	Bank
Address	FULTON, NY 13069

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

Source: Oswego County and Oswego Town records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,795.00	$158,000 (-) Land $47,600 Building $110,400	$259,016 (+13.11%) Land $78,033 Building $180,983
2023		$158,000 Land $47,600 Building $110,400	$228,986 Land $68,986 Building $160,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 19 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCWA public/private · serves 350,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.