Oswego County and Hastings Town property record for 49 Prospect St, Central Square, NY 13036
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 988 sqft · built 1945 |
| Lot Size | 0.297 acres (12,960 sqft) |
| Owner | Individual Name on File |
| Last Sale | $117,500 (May 2024) |
| Tax Bill | $1,095 (2025) |
| Deeds & Mortgages | May 2024 Mortgage May 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 353289 275.03-05-03 |
| Primary APN | 353289 275.03-05-03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 650 sqft |
| Upper Floors Area | 338 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 12,960 sqft (0.297 acres) |
| Lot Dimensions | 179 ft deep x 130 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 49 PROSPECT ST |
|---|---|
| City | CENTRAL SQUARE |
| State | NY |
| Zip | 13036-2399 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | H |
| Legal Subdivision | L HOMMEDIEUS WEST |
| Legal Block | 5 |
| Legal Lot Number | 15.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | HASTINGS |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 20707 |
49 Prospect St is owned and occupied by an individual who bought it in May 2024.
Source: Oswego County and Hastings Town records, as of April 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 49 PROSPECT ST, CENTRAL SQUARE, NY 13036-2399 |
| 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 |
|---|---|
| May 6, 2024 | Deed of Trust, Mortgage HOUSING TRUST FUND CORPORATION |
| May 6, 2024 | Warranty Deed, Transfer · Conventional Mortgage EMPOWER FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2024 · Amount on File |
| Deed Sale | May 6, 2024 · Amount on File |
| Prior Sale | Aug 6, 2013 · Amount on File |
| Deed Document Number | 2024R2024003697 |
| Prior Transfer Date | Jun 12, 2003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 49 PROSPECT ST, CENTRAL SQUARE, NY 13036-2399 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 18 W 11TH ST A8, A8, FULTON, NY 13069-4042 |
| Document Number | 0000003700 |
|---|---|
| Date | May 6, 2024 |
| Instrument | R-2024-003700 |
| Name | HOUSING TRUST FUND CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ALBANY, NY 12207 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | May 6, 2024 |
| Property Address | 49 PROSPECT ST, CENTRAL SQUARE, NY 13036-2399 |
| Document Number | 0000003697 |
| Instrument Date | Apr 23, 2024 |
| Instrument | R-2024-003697 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5860 MCKINLEY RD, BREWERTON, NY 13029-9691 |
| Name | Verified Name |
|---|---|
| Address | 18 W 11TH ST APT A8, A8, FULTON, NY 13069-4042 |
| Document Number | 0000003698 |
|---|---|
| Date | May 6, 2024 |
| Instrument | R-2024-003698 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Number | 0000003699 |
|---|---|
| Date | May 6, 2024 |
| Instrument | R-2024-003699 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 49 Prospect St was $1,095.
Source: Oswego County and Hastings Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Hastings Town |
| Unified School District | Central Square Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,095.00 | $65,000 Land $17,000 Building $48,000 | $86,667 Land $22,667 Building $64,000 |
| 2023 | $65,000 Land $17,000 Building $48,000 | $75,581 Land $19,767 Building $55,814 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 49 Prospect 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 |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 2 (2018) |
| Most Recent Claim | Jan 2018 |
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 49 Prospect St 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.
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 |
| 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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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