Oswego County and Constantia Town property record for 46 Ackerman Rd, Bernhards Bay, NY 13028
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,586 sqft · built 1953 |
| Lot Size | 4.51 acres (196,456 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $810,000 (Aug 2023) |
| Tax Bill | $13,943 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352689 311.07-01-09 |
| Primary APN | 352689 311.07-01-09 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,586 sqft Living Area |
| 1st Floor Area | 2,586 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 196,456 sqft (4.51 acres) |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 1,032 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Patio |
| Porch Area | 216 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 46 ACKERMAN RD |
|---|---|
| City | BERNHARDS BAY |
| State | NY |
| Zip | 13028-3110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 121-122 086-012-000 LF-140' |
| Legal Subdivision | SCRIBAS LOCATION |
| Legal Block | 1 |
| Legal Lot Number | 9.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | CONSTANTIA |
| Census Block Group | 2 |
| Census Block | 2087 |
| Census Tract | 20600 |
Source: Oswego County and Constantia Town records, as of September 23, 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 | 27599 THREE MILE POINT RD, CHAUMONT, NY 13622-2187 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2023 · Amount on Record |
| Deed Sale | Aug 9, 2023 · Amount on Record |
| Deed Document Number | 20236946 |
| Prior Transfer Date | Oct 5, 2007 |
| Prior Transfer Doc | 0000003383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Aug 9, 2023 |
| Property Address | 46 ACKERMAN RD, BERNHARDS BAY, NY 13028-3110 |
| Document Number | 0000006946 |
| Instrument Date | Aug 6, 2023 |
| Instrument | R-2023-006946 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2023 |
| Title Company | NETWORK TITLE AGENCY/FL, NETWORK TITLE AGCY OF NY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1818 OLD DEKALB RD, CANTON, NY 13617-3133 |
| Name | Verified Name |
|---|---|
| Address | 27599 THREE MILE POINT RD, CHAUMONT, NY 13622-2187 |
| Document Number | 0000006947 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | R-2023-006947 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
Source: Oswego County and Constantia Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Constantia Town |
| Unified School District | Central Square Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,943.00 (+1.35%) | ||
| 2025 | $13,757.00 | $335,100 (-) Land $119,900 Building $215,200 | $609,273 (+18.18%) Land $218,000 Building $391,273 |
| 2023 | $335,100 (-) Land $119,900 Building $215,200 | $515,538 (+21.54%) Land $184,461 Building $331,077 | |
| 2022 | $335,100 Land $119,900 Building $215,200 | $424,177 Land $151,772 Building $272,405 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Mar 1993 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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