472 Ridge Rd, Oswego, NY 13126 Property Records

Oswego County and Oswego Town property record for 472 Ridge Rd, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 1993
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,750 (2026)
Deeds & Mortgages	Nov 2019 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`354200 183.00-03-08.01`

Property Details

APN / Parcel Number

Primary APN	`354200 183.00-03-08.01`
Alternative APN	`420018300000030080100000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	40,946 sqft (0.94 acres)
Porch	Slab
Porch Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	472 RIDGE RD
City	OSWEGO
State	NY
Zip	13126-6591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LOT 28 391-014-000 PT ASSM'T
Legal Block	3
Legal Lot Number	8.010
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1031
Census Tract	21401

Owner

Source: Oswego County and Oswego 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	472 RIDGE RD, OSWEGO, NY 13126-6591
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2019	Deed of Trust, Mortgage · Commercial Mortgage COMPASS FCU
May 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage EMPOWER FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	472 RIDGE RD, OSWEGO, NY 13126-6591
Transaction Type	Mortgage
Record Updated	Apr 28, 2022
Title Company	VANGUARD RESEARCH & TTL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009984
Date	Nov 1, 2019
Instrument	R-2019-009984

Lender

Name	COMPASS FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 30, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	472 RIDGE RD, OSWEGO, NY 13126-6591
Document Number	0000004422
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 RIDGE RD OSWEGO NY 131266591, OSWEGO, NY 13126-6591

Mortgage

Document Number	0000004422
Date	May 17, 2017
Instrument	4422

Lender

Name	EMPOWER FCU
Address	SYRACUSE, NY 13212

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 16, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,750.00 (+10.75%) Homeowner's exemption
2025	$3,386.00	$92,700 (-) Land $23,800 Building $68,900	$151,967 (+13.11%) Land $39,016 Building $112,951
2023		$92,700 Land $23,800 Building $68,900	$134,348 Land $34,493 Building $99,855

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · 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.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCWA public/private · serves 350,000 people · EPA ID NY3304336
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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