Oswego County and Oswego City property record for 486 W 1st St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,304 sqft · built 1910 |
| Lot Size | 0.241 acres (10,525 sqft) |
| Owner | Individual Name on File |
| Last Sale | $48,500 (Sep 2000) |
| Tax Bill | $2,075 (2026) |
| Deeds & Mortgages | Jan 2019 Mortgage Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 146.24-04-14 |
| Primary APN | 351200 146.24-04-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 1,034 sqft |
| Upper Floors Area | 278 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,525 sqft (0.241 acres) |
| Lot Dimensions | 210 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 104 sqft |
| Shed | 1 Shed |
| Shed Area | 467 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1861 M |
|---|---|
| Street Address | 486 W 1ST ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-4141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN2 |
| Legal Description | M 7, L 2 756-015-000 |
| Legal Subdivision | VARICK TRACT |
| Legal Block | 4 |
| Legal Lot Number | 14.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 21603 |
486 W 1st St is owned and occupied by an individual who bought it in September 2000.
Source: Oswego County and Oswego City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 486 W 1ST ST, OSWEGO, NY 13126-4141 |
| 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.
| Date | Document |
|---|---|
| Jan 3, 2019 | Deed of Trust, Mortgage OSWEGO COUNTY FCU |
| Jul 12, 2019 | Deed of Trust, Mortgage · Line of Credit CAMPASS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2000 · Amount on File |
| Deed Sale | Sep 21, 2000 · Amount on File |
| Prior Sale | Jun 17, 1999 · Amount on File |
| Deed Book / Page | 1530 / 237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 486 W 1ST ST, OSWEGO, NY 13126-4141 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 486 W 1ST ST, OSWEGO, NY 13126-4141 |
| Document Number | 0000000073 |
|---|---|
| Date | Jan 3, 2019 |
| Instrument | R-2019-000073 |
| Name | OSWEGO COUNTY FCU |
|---|---|
| Type | Credit Union |
| Address | OSWEGO, NY 13126 |
| Amount | Amount on Record |
|---|---|
| Term | 119 Months |
| Due | Dec 26, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 486 W 1ST ST, OSWEGO, NY 13126-4141 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005784 |
|---|---|
| Date | Jul 12, 2019 |
| Instrument | R-2019-005784 |
| Name | CAMPASS FCU |
|---|---|
| Type | Non-Lending Institution |
| Address | OSWEGO, NY 13126 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 486 W 1st St was $2,075 with a homeowner's exemption, down 1.2% from the year before.
Source: Oswego County and Oswego City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,075.00 (-1.19%) Homeowner's exemption | ||
| 2025 | $2,100.00 | $112,000 Land $22,000 Building $90,000 | $112,000 Land $22,000 Building $90,000 |
| 2023 | $69,500 Land $24,900 Building $44,600 | $83,735 Land $30,000 Building $53,735 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 486 W 1st St 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 486 W 1st St is low, with less than 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 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSWEGO CITY serves 29,400 people · EPA ID NY3704361 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2025–2027) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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