486 Middle Rd, Oswego, NY 13126 Property Records

Oswego County and Scriba Town property record for 486 Middle Rd, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,879 sqft · built 1962
Lot Size	1.99 acres (86,684 sqft)
Owner	Individual Name on File
Last Sale	$74,200 (Feb 2011)
Tax Bill	$3,022 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Mar 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`355600 112.00-02-20.01`

Property Details

APN / Parcel Number

Primary APN	`355600 112.00-02-20.01`
Alternative APN	`560011200000020200100000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,879 sqft Living Area
1st Floor Area	1,093 sqft
Basement Area	786 sqft
Finished Basement	786 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	86,684 sqft (1.99 acres)
Garage Type	Basement
Porch	Slab
Porch Area	373 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	486 MIDDLE RD
City	OSWEGO
State	NY
Zip	13126-5885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NONE
Legal Subdivision	SCRIBAS PATENT
Legal Block	2
Legal Lot Number	20.010
Jurisdiction	OSWEGO NY
Township / Civil Division	SCRIBA
Census Block Group	2
Census Block	2038
Census Tract	21504

Owner

486 Middle Rd is owned and occupied by an individual who bought it in February 2011.

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

Owner of Record	Individual Name on File
Mailing Address	486 MIDDLE RD, OSWEGO, NY 13126-5885
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Mar 14, 2019	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
May 15, 2018	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Oct 2, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2011 · Amount on File
Deed Sale	Feb 9, 2011 · Amount on File
Prior Sale	Feb 18, 2005 · Amount on File
Deed Document Number	20111324
Prior Transfer Date	May 26, 2005
Prior Transfer Doc	0000008338
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	486 MIDDLE RD, OSWEGO, NY 13126-5885
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 MIDDLE RD, OSWEGO, NY 13126-5885

Mortgage

Document Number	0000002571
Date	Oct 25, 2021
Instrument	R-2021-012571

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	486 MIDDLE RD, OSWEGO, NY 13126-5885
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002119
Date	Mar 14, 2019
Instrument	R-2019-002119

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	486 MIDDLE RD, OSWEGO, NY 13126-5885
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004592
Date	May 15, 2018
Instrument	R-2018-004592

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 2, 2017
Property Address	486 MIDDLE RD, OSWEGO, NY 13126-5885
Document Number	0000009652
Instrument Date	Sep 22, 2017
Instrument	9652
Transaction Type	Transfer
Record Updated	Nov 29, 2017

Transaction

Amount	Amount on Record
Tax	$348.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 DARROW RD MEXICO NY 131143286, MEXICO, NY 13114-3286

Tax Assessment & Valuation

The 2026 property tax bill for 486 Middle Rd was $3,022, up 2.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,022.00 (+2.23%)
2025	$2,956.00	$87,000 Land $24,400 Building $62,600	$145,000 Land $40,667 Building $104,333
2023		$87,000 Land $24,400 Building $62,600	$127,941 Land $35,882 Building $92,059

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

Flood

FEMA maps place 486 Middle Rd in Zone X, an area of minimal flood risk.

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 Policies	3 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 486 Middle 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.

Drinking Water

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

Water System	SCRIBA WD (OSWEGO) serves 9,044 people · EPA ID NY3730037
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	2 ppb (2025–2027) 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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