486 Lower Rd, Constantia, NY 13044 Property Records

Oswego County and Constantia Town property record for 486 Lower Rd, Constantia, NY 13044 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1991
Lot Size	0.918 acres (40,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,302 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`352689 295.00-05-01`

Property Details

APN / Parcel Number

Primary APN	`352689 295.00-05-01`
Alternative APN	`268929500000050010000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	40,000 sqft (0.918 acres)
Lot Dimensions	200 ft deep x 200 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	450 sqft
Porch	Slab
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	486 LOWER RD
City	CONSTANTIA
State	NY
Zip	13044-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 492-036-000
Legal Block	5
Legal Lot Number	1.000
Jurisdiction	OSWEGO NY
Township / Civil Division	CONSTANTIA
Census Block Group	2
Census Block	2050
Census Tract	20600

Owner

Source: Oswego County and Constantia Town records · APN 352689 295.00-05-01

Assessment roll updated April 30, 2026 · Last verified May 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 File
Mailing Address	486 LOWER RD, CONSTANTIA, NY 13044-2613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 20, 2024
Transfer Doc	0000006934
Record Updated	Jun 08, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	486 LOWER RD, CONSTANTIA, NY 13044-2613
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 LOWER RD, CONSTANTIA, NY 13044-2613

Mortgage

Document Number	0000001868
Date	Dec 27, 2023
Instrument	R-2023-011868

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 20, 2043

Tax Assessment & Valuation

Source: Oswego County and Constantia Town records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,302.00	$83,900 (-) Land $13,800 Building $70,100	$152,545 (+18.18%) Land $25,091 Building $127,454
2023		$83,900 Land $13,800 Building $70,100	$129,077 Land $21,231 Building $107,846

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oswego County (36075C), updated October 15, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.