522 Ridge Rd, Oswego, NY 13126 Property Records

Oswego County and Oswego Town property record for 522 Ridge Rd, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 2009
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Feb 2010)
Tax Bill	$4,955 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`354200 183.00-03-27.01`

Property Details

APN / Parcel Number

Primary APN	`354200 183.00-03-27.01`
Alternative APN	`420018300000030270100000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	408 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	522 RIDGE RD
City	OSWEGO
State	NY
Zip	13126-6581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	3
Legal Lot Number	27.010
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1026
Census Tract	21401

Owner

Source: Oswego County and Oswego Town records · APN 354200 183.00-03-27.01

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	522 RIDGE RD, OSWEGO, NY 13126-6581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 22, 2010 · Amount on Record
Deed Sale	Feb 22, 2010 · Amount on Record
Deed Document Number	20101429
Record Updated	Jun 08, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	522 RIDGE RD, OSWEGO, NY 13126-6581
Document Number	0000012847
Instrument Date	Dec 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 RIDGE RD OSWEGO NY 131266581, OSWEGO, NY 13126-6581

Mortgage

Document Number	0000012847
Date	Dec 29, 2017
Instrument	12847

Lender

Name	EMPOWER FCU
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Dec 28, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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	$4,955.00	$140,000 (-) Land $25,300 Building $114,700	$229,508 (+13.11%) Land $41,475 Building $188,033
2023		$140,000 Land $25,300 Building $114,700	$202,899 Land $36,667 Building $166,232

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Based on FCC filings for 21 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCWA public/private · serves 350,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.