446 Middle Rd, Oswego, NY 13126 Property Records

Oswego County and Scriba Town property record for 446 Middle Rd, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,536 sqft · built 1973
Lot Size	6.43 acres (280,091 sqft)
Owner	Individual Name on Record
Last Sale	$132,500 (Jan 2019)
Tax Bill	$4,062 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355600 112.00-02-19.2`

Property Details

APN / Parcel Number

Primary APN	`355600 112.00-02-19.2`
Alternative APN	`560011200000020192000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	1,024 sqft
Upper Floors Area	512 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	280,091 sqft (6.43 acres)
Garage Type	Detached
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	1,072 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	446 MIDDLE RD
City	OSWEGO
State	NY
Zip	13126-5880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NONE
Legal Description	LOT 84 302-008-000
Legal Subdivision	TOWNSHIP 18 OF SCRIBAS PATENT
Legal Block	2
Legal Lot Number	19.200
Jurisdiction	OSWEGO NY
Township / Civil Division	SCRIBA
Census Block Group	2
Census Block	2039
Census Tract	21504

Owner

Source: Oswego County and Scriba Town 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 Record	Individual Name on Record
Mailing Address	446 MIDDLE RD, OSWEGO, NY 13126-5880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Jan 12, 2021	Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC
Jan 28, 2019	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2019 · Amount on Record
Deed Sale	Jan 28, 2019 · Amount on Record
Prior Sale	Aug 7, 2014 · Amount on Record
Deed Document Number	2019830
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	446 MIDDLE RD, OSWEGO, NY 13126-5880
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 MIDDLE RD, OSWEGO, NY 13126-5880

Mortgage

Document Number	0000008412
Date	Sep 25, 2025
Instrument	R-2025-008412

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	446 MIDDLE RD, OSWEGO, NY 13126-5880
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VANGUARD RESEARCH & TTL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000405
Date	Jan 12, 2021
Instrument	R-2021-000405

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 28, 2019
Property Address	446 MIDDLE RD, OSWEGO, NY 13126-5880
Document Number	0000000830
Instrument Date	Jan 17, 2019
Instrument	R-2019-000830
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5860 MCKINLEY RD, 5860, BREWERTON, NY 13029-9691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5334 STATE ROUTE 104, OSWEGO, NY 13126-5806

Mortgage

Document Number	0000000831
Date	Jan 28, 2019
Instrument	R-2019-000831

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

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
2025	$4,062.00	$122,300 (-) Land $29,200 Building $93,100	$203,833 (+13.33%) Land $48,667 Building $155,166
2023		$122,300 Land $29,200 Building $93,100	$179,853 Land $42,941 Building $136,912

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 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

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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