Oswego County and Oswego Town property record for 538 Ridge Rd, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,436 sqft · built 1985 |
| Lot Size | 1.24 acres (54,014 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,500 (Nov 2020) |
| Tax Bill | $5,227 (2026) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Oct 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 354200 183.00-03-03.12 |
| Primary APN | 354200 183.00-03-03.12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,436 sqft Living Area |
| 1st Floor Area | 1,436 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Lot Area | 54,014 sqft (1.24 acres) |
| Garage Type | Detached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 538 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 Description | LOT 28 113-020-000 |
| Legal Block | 3 |
| Legal Lot Number | 3.120 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 21401 |
Source: Oswego County and Oswego Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 538 RIDGE RD, OSWEGO, NY 13126-6581 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 4, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Oct 20, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2020 · Amount on Record |
| Deed Sale | Nov 4, 2020 · Amount on Record |
| Prior Sale | Aug 23, 2016 · Amount on Record |
| Deed Document Number | 202010647 |
| Prior Transfer Date | Jan 12, 2004 |
| Prior Transfer Doc | 0020040543 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Nov 4, 2020 |
| Property Address | 538 RIDGE RD, OSWEGO, NY 13126-6581 |
| Document Number | 0000000647 |
| Instrument Date | Oct 23, 2020 |
| Instrument | R-2020-010647 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $742.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 538 RIDGE RD, 538, OSWEGO, NY 13126-6581 |
| Name | Verified Name |
|---|---|
| Address | 538 RIDGE RD, OSWEGO, NY 13126-6581 |
| Document Number | 0000000648 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | R-2020-010648 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Oct 20, 2020 |
| Property Address | 538 RIDGE RD, OSWEGO, NY 13126-6581 |
| Document Number | 0000009904 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 9904 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 538 RIDGE RD OSWEGO NY 131266581, OSWEGO, NY 13126-6581 |
Source: Oswego County and Oswego Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Oswego Town |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,227.00 (+10.76%) | ||
| 2025 | $4,719.00 | $129,200 (-) Land $23,900 Building $105,300 | $211,803 (+13.11%) Land $39,180 Building $172,623 |
| 2023 | $129,200 Land $23,900 Building $105,300 | $187,246 Land $34,638 Building $152,608 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
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.
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 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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