54 Bumpy Rd, Bernhards Bay, NY 13028 Property Records

Oswego County and Constantia Town property record for 54 Bumpy Rd, Bernhards Bay, NY 13028 · Last verified May 2026

Property Highlights

Property Type	Residential > Specialized > Seasonal, Cabin, Vacation
Bedrooms	2 Beds
Bathrooms	1 Baths
Architecture Style	Cottage
Year Built	Built 1990
Square Footage	600 sqft Living Area
Lot Size	8,003 sqft (0.183 acres)
Last Sale	$146,500 (2020)
Tax Bill	$3,642.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`352689 247.02-02-04`
Alternative APN	`268924700200020040000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	600 sqft Living Area
1st Floor	600 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Architectural Style	Cottage Style
Exterior Material	Wood Exterior
Lot Area	8,003 sqft (0.183 acres)
Depth X Width	151 ft x 53 ft Depth x Width
Porch Area	480 sqft Porch
Boat Access	Boat Access

Utilities and HVAC

Heating System	HVAC Heating
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Street Address	54 BUMPY RD
City	BERNHARDS BAY
State	NY
Zip	13028-3153
Property Usage	Residential Property Usage
Type	Residential > Specialized > Seasonal, Cabin, Vacation
Legal Description	LOT 41 142-002-000 LF 50'
Legal Subdivision	ROOSEVELT TRACT
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	OSWEGO NY
Minor Civil Division	CONSTANTIA
Census Blockgroup	2
Census Block	2004
Census Tract	20600

Owner

Source: Oswego County and Constantia Town records · APN 352689 247.02-02-04

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	10154 FLORENCE HILL RD, CAMDEN, NY 13316-6103
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP
Nov 27, 2017	Deed, Transfer · Conventional Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2020 · Amount on Record
Deed Sale	Jun 30, 2020 · Amount on Record
Prior Sale	Nov 27, 2017 · Amount on Record
Deed Doc Number	20205201
Record Refreshed	Jun 08, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jun 30, 2020
Property Address	54 BUMPY RD, BERNHARDS BAY, NY 13028-3153
Document Number	0000005201
Instrument Date	Jun 17, 2020
Instrument	R-2020-005201
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$586.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10142 STATE ROUTE 13, 10142, CAMDEN, NY 13316-5012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10154 FLORENCE HILL RD, CAMDEN, NY 13316-6103

Mortgage

Document Number	0000005202
Date	Jun 30, 2020
Instrument	R-2020-005202

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 27, 2017
Property Address	54 BUMPY RD, BERNHARDS BAY, NY 13028-3153
Document Number	0000001733
Instrument Date	Nov 20, 2017
Instrument	R-2017-011733
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$508.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 ELM ST, 31, CAMDEN, NY 13316-1034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 RIVERVIEW PKWY N, ROME, NY 13440-3822

Mortgage

Document Number	0000001734
Date	Nov 27, 2017
Instrument	R-2017-011734

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Constantia Town
Unified School District	Central Square Central 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	$3,642.00	$93,100 (-) Land $20,300 Building $72,800	$169,273 (+18.18%) Land $36,909 Building $132,364
2023		$93,100 Land $20,300 Building $72,800	$143,231 Land $31,231 Building $112,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oswego County (36075C), updated October 15, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 5% of the US · above 7% of New York
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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