Oswego County and Oswego Town property record for 544 Ridge Rd, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,329 sqft · built 1981 |
| Lot Size | 1.77 acres (77,101 sqft) |
| Owner | Individual on Record |
| Last Sale | $194,500 (Jul 2018) |
| Tax Bill | $4,683 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 354200 183.00-03-19 |
| Primary APN | 354200 183.00-03-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,329 sqft Living Area |
| 1st Floor Area | 1,329 sqft |
| Game Room | Game Room |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 77,101 sqft (1.77 acres) |
| Garage Type | Detached |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 258 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 544 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 28 083-020-000 |
| Legal Block | 3 |
| Legal Lot Number | 19.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 21401 |
Source: Oswego County and Oswego Town assessment roll, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 544 RIDGE RD, OSWEGO, NY 13126-6581 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2026 | Deed of Trust, Mortgage · Line of Credit OSWEGO TEACHERS EMPLOYEES FCU |
| Jul 25, 2018 | Warranty Deed, Transfer · Conventional with PMI FIRSTBANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2018 · Amount on Record |
| Deed Sale | Jul 25, 2018 · Amount on Record |
| Deed Document Number | 20186956 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 544 RIDGE RD, OSWEGO, NY 13126-6581 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 544 RIDGE RD, OSWEGO, NY 13126-6581 |
| Document Number | 0000002385 |
|---|---|
| Date | Mar 24, 2026 |
| Instrument | R-2026-002385 |
| Name | OSWEGO TEACHERS EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | OSWEGO, NY 13126 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Jul 25, 2018 |
| Property Address | 544 RIDGE RD, OSWEGO, NY 13126-6581 |
| Document Number | 0000006956 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 6956 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2018 |
| Title Company | VANGUARD RESEARCH AND TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $778.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 544 RIDGE RD OSWEGO NY 131266581, OSWEGO, NY 13126-6581 |
| Document Number | 6957 |
|---|---|
| Date | Jul 25, 2018 |
| Instrument | 6957 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 24, 2048 |
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 |
|---|---|---|---|
| 2025 | $4,683.00 | $128,200 (-) Land $24,500 Building $103,700 | $210,164 (+13.11%) Land $40,164 Building $170,000 |
| 2023 | $128,200 Land $24,500 Building $103,700 | $185,797 Land $35,507 Building $150,290 |
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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