460 Gilbert Mills Rd, Phoenix, NY 13135 Property Records

Oswego County and Schroeppel Town property record for 460 Gilbert Mills Rd, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,120 sqft · built 1993
Lot Size	1.35 acres (58,806 sqft)
Owner	Individual Name on File
Last Sale	$420,500 (May 2026)
Tax Bill	$9,825 (2026)
Deeds & Mortgages	Jun 2024 Line of Credit May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355489 238.00-03-14.03`

Property Details

APN / Parcel Number

Primary APN	`355489 238.00-03-14.03`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,120 sqft Living Area
1st Floor Area	1,132 sqft
2nd Floor Area	988 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	58,806 sqft (1.35 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	460 GILBERT MILLS RD
City	PHOENIX
State	NY
Zip	13135-2159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	16 TOWNSHIP OF SCRIBAS PATENT
Legal Block	3
Legal Lot Number	14.030
Jurisdiction	OSWEGO NY
Township / Civil Division	SCHROEPPEL
Census Block Group	2
Census Block	2009
Census Tract	20904

Owner

460 Gilbert Mills Rd is owned by an individual who bought it in May 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3672 COLD SPRINGS RD, BALDWINSVILLE, NY 13027-9417
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2024	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage HUNT MORTGAGE
Feb 17, 2022	Deed, Transfer · Conventional Mortgage STATE EMPLOYEES FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Prior Sale	Feb 17, 2022 · Amount on File
Deed Document Number	20264300
Prior Transfer Date	Jul 21, 2000
Prior Transfer Doc	1524000185
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	460 GILBERT MILLS RD, PHOENIX, NY 13135-2159
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 GILBERT MILLS RD, PHOENIX, NY 13135-2159

Mortgage

Document Number	0000004586
Date	Jun 4, 2024
Instrument	R-2024-004586

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 3, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	May 22, 2026
Property Address	460 GILBERT MILLS RD, PHOENIX, NY 13135-2159
Document Number	0000004300
Instrument Date	May 13, 2026
Instrument	20264300
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	NETWORK TITLE AGENCY/FL, NETWORK TITLE AGCY OF NY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169,882.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3672 COLD SPRINGS RD, BALDWINSVILLE, NY 13027-9417
Investor	Possibly a Property Investor

Mortgage

Date	May 22, 2026

Lender

Name	HUNT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.37%
Max Rate	-1%

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OSWEGO NY
Recording Date	Feb 17, 2022
Property Address	460 GILBERT MILLS RD, PHOENIX, NY 13135-2159
Document Number	0000001707
Instrument Date	Jan 31, 2022
Instrument	R-2022-001707
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,068.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	460 GILBERT MILLS RD, 460, PHOENIX, NY 13135-2159

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9157 BEACH RD, BREWERTON, NY 13029-9646

Mortgage

Document Number	0000001708
Date	Feb 17, 2022
Instrument	R-2022-001708

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 460 Gilbert Mills Rd was $9,825, up 0.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,825.00 (+0.51%)
2025	$9,775.00	$173,000 Land $14,500 Building $158,500	$384,444 Land $32,222 Building $352,222
2023		$173,000 Land $14,500 Building $158,500	$314,545 Land $26,364 Building $288,181

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.

Flood

FEMA maps place 460 Gilbert Mills 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	8 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

Wildfire risk around 460 Gilbert Mills 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 23 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Windstream.

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