4682 State Rte 3, Central Square, NY 13036 Property Records

Oswego County and Palermo Town property record for 4682 State Rte 3, Central Square, NY 13036

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,122 sqft · built 1920
Lot Size	93.8 acres (4,088,977 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Nov 2017)
Tax Bill	$6,070 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`354400 189.00-01-20.02`

Property Details

APN / Parcel Number

Primary APN	`354400 189.00-01-20.02`
Alternative APN	`35440018900000010200000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	1,122 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,088,977 sqft (93.8 acres)
Porch	Slab
Porch Area	200 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4682 STATE ROUTE 3
City	CENTRAL SQUARE
State	NY
Zip	13036-2241
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Subdivision	14TH TOWNSHIP OF SCRIBAS PATENT
Legal Block	1
Legal Lot Number	20.020
Jurisdiction	OSWEGO NY
Township / Civil Division	PALERMO
Census Block Group	1
Census Block	1002
Census Tract	20800

Owner

Source: Oswego County and Palermo 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 Record
Mailing Address	4682 STATE ROUTE 3, CENTRAL SQUARE, NY 13036-2241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Commercial Mortgage OSWEGO COUNTY FCU
Jun 15, 2022	Deed of Trust, Mortgage EMPOWER FCU
Jan 4, 2021	Deed of Trust, Mortgage EMPOWER FCU
Nov 2, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2017 · Amount on Record
Deed Sale	Nov 2, 2017 · Amount on Record
Deed Document Number	201710879
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	4682 STATE ROUTE 3, CENTRAL SQUARE, NY 13036-2241
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4682 STATE ROUTE 3, CENTRAL SQUARE, NY 13036-2241

Mortgage

Document Number	0000000394
Date	Nov 19, 2025
Instrument	R-2025-010394

Lender

Name	OSWEGO COUNTY FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 26, 2035

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	4682 STATE ROUTE 3, CENTRAL SQUARE, NY 13036-2241
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4682 STATE ROUTE 3, CENTRAL SQUARE, NY 13036-2241

Mortgage

Document Number	0000006431
Date	Jun 15, 2022
Instrument	R-2022-006431

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 13, 2037

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	4682 STATE ROUTE 3, CENTRAL SQUARE, NY 13036-2241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4682 STATE ROUTE 3, CENTRAL SQ, NY 13036-2241

Mortgage

Document Number	0000000046
Date	Jan 4, 2021
Instrument	R-2021-000046

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 3, 2031

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 2, 2017
Property Address	4682 STATE ROUTE 3, CENTRAL SQUARE, NY 13036-2241
Document Number	0000010879
Instrument Date	Oct 28, 2017
Instrument	10879
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4682 STATE ROUTE 3 CENTRAL SQUARE NY 130362241, CENTRAL SQUARE, NY 13036-2241

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
2026	$6,070.00 (+7.93%)
2025	$5,624.00	$169,000 (-) Land $94,000 Building $75,000	$234,722 (+22.22%) Land $130,555 Building $104,167
2023		$169,000 Land $94,000 Building $75,000	$192,045 Land $106,818 Building $85,227

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, as of December 31, 2025

Cell Coverage

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

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