4592 State Rte 3, Fulton, NY 13069 Property Records

Oswego County and Palermo Town property record for 4592 State Rte 3, Fulton, NY 13069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,900 sqft · built 2022
Lot Size	5.26 acres (229,126 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Apr 2021)
Tax Bill	$7,830 (2025)
Deeds & Mortgages	Nov 2021 Construction Loan Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`354400 188.00-04-26.04`

Property Details

APN / Parcel Number

Primary APN	`354400 188.00-04-26.04`
Alternative APN	`440018800000040260400000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,900 sqft Living Area
1st Floor Area	1,900 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	229,126 sqft (5.26 acres)
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4592 STATE ROUTE 3
City	FULTON
State	NY
Zip	13069-3647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Subdivision	SCRIBAS PATENT
Legal Block	4
Legal Lot Number	26.040
Jurisdiction	OSWEGO NY
Township / Civil Division	PALERMO
Census Block Group	1
Census Block	1024
Census Tract	20800

Owner

Source: Oswego County and Palermo 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	2 Individual Names on Record
Mailing Address	4592 STATE ROUTE 3, FULTON, NY 13069-3647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Construction Mortgage EMPOWER FCU
Apr 21, 2021	Warranty Deed, Transfer · Conventional Mortgage EMPOWER FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2021 · Amount on Record
Deed Sale	Apr 21, 2021 · Amount on Record
Deed Document Number	20214442
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	4592 STATE ROUTE 3, FULTON, NY 13069-3647
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 HANTY CREEK RD, CENTRAL SQUARE, NY 13036

Mortgage

Document Number	0000003213
Date	Nov 8, 2021
Instrument	R-2021-013213

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Nov 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Apr 21, 2021
Property Address	4592 STATE ROUTE 3, FULTON, NY 13069-3647
Document Number	0000004442
Instrument Date	Mar 23, 2021
Instrument	R-2021-004442
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1930 COUNTY ROUTE 4, FULTON, NY 13069-3649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 SHANTY CREEK RD, CENTRAL SQUARE, NY 13036-3415

Mortgage

Document Number	0000004443
Date	Apr 21, 2021
Instrument	R-2021-004443

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,830.00	$245,000 (+8.89%) Land $24,000 Building $221,000	$340,278 (+33.09%) Land $33,333 Building $306,945
2023		$225,000 Land $24,000 Building $201,000	$255,682 Land $27,273 Building $228,409

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

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)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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