451 Cole Rd, Fulton, NY 13069 Property Records

Oswego County and Granby Town property record for 451 Cole Rd, Fulton, NY 13069

Property Summary

Property Type	Mobile Home
Details	1,120 sqft · built 2001
Lot Size	0.891 acres (38,828 sqft)
Owner	Individual Name on File
Last Sale	$111,000 (Oct 2024)
Tax Bill	$1,571 (2026)
Deeds & Mortgages	Jun 2025 Mortgage Oct 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352800 286.00-06-08.112`

Property Details

APN / Parcel Number

Primary APN	`352800 286.00-06-08.112`
Alternative APN	`280028600000060081120000`

Interior

Building Area	1,120 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Mobile Home
Lot Area	38,828 sqft (0.891 acres)
Lot Dimensions	235 ft deep x 165 ft wide
Porch	Slab
Porch Area	80 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	451 COLE RD
City	FULTON
State	NY
Zip	13069-4752
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Block	6
Legal Lot Number	8.112
Jurisdiction	OSWEGO NY
Township / Civil Division	GRANBY
Census Block Group	1
Census Block	1059
Census Tract	21203

Owner

451 Cole Rd, a mobile home, is owned by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	364 PENDERGAST RD, PHOENIX, NY 13135-4234
Owner Type	Individual
Vesting	Individual(s)

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 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage GENESEE REGIONAL BANK
Oct 23, 2024	Warranty Deed, Transfer · Conventional Mortgage GENESEE REGIONAL BANK
Jun 4, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2024 · Amount on File
Deed Sale	Oct 23, 2024 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Document Number	2024R2024009222
Prior Transfer Date	Aug 6, 2001
Prior Transfer Doc	2001009687
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	451 COLE RD, FULTON, NY 13069-4752
Transaction Type	Mortgage
Record Updated	Apr 16, 2026
Title Company	CHICAGO TITLE TRUST, CHICAGO TITLE SYRACUSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 PENDERGAST RD, PHOENIX, NY 13135-4234

Mortgage

Document Number	0000004974
Date	Jun 25, 2025
Instrument	R-2025-004974

Lender

Name	GENESEE REGIONAL BANK
Type	Bank
Address	ROCHESTER, NY 14618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Nov 1, 2054

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 23, 2024
Property Address	451 COLE RD, FULTON, NY 13069-4752
Document Number	0000009222
Instrument Date	Oct 15, 2024
Instrument	R-2024-009222
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 COLE RD, FULTON, NY 13069-4752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 PENDERGAST RD, PHOENIX, NY 13135-4234

Mortgage

Document Number	0000009223
Date	Oct 23, 2024
Instrument	R-2024-009223

Lender

Name	GENESEE REGIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jun 4, 2019
Property Address	451 COLE RD, FULTON, NY 13069-4752
Document Number	0000004485
Instrument Date	May 31, 2019
Instrument	4485
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$180.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	319 WHITTIER AVE SYRACUSE NY 132042608, SYRACUSE, NY 13204-2608

Tax Assessment & Valuation

The 2026 property tax bill for 451 Cole Rd was $1,571, up 21.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,571.00 (+21.5%)
2025	$1,293.00	$39,000 (-) Land $14,000 Building $25,000	$65,000 (+8.33%) Land $23,333 Building $41,667
2024	Homeowner's exemption Senior Citizen's exemption	$39,000 (-) Land $14,000 Building $25,000	$60,000 (+9.23%) Land $21,538 Building $38,462
2023		$39,000 Land $14,000 Building $25,000	$54,930 Land $19,718 Building $35,212

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 451 Cole Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 451 Cole 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Cole Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures