Oswego County and Constantia Town property record for 548 Co Rte 65, Bernhards Bay, NY 13028
| Property Type | Residential |
|---|---|
| Lot Size | 7.04 acres (306,662 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $793 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 352689 229.00-02-03 |
| Primary APN | 352689 229.00-02-03 |
|---|---|
| Alternative APN |
|
| Lot Area | 306,662 sqft (7.04 acres) |
|---|
| Street Address | 548 COUNTY ROUTE 65 |
|---|---|
| City | BERNHARDS BAY |
| State | NY |
| Zip | 13028-4137 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Other |
| Legal Block | 2 |
| Legal Lot Number | 3.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | CONSTANTIA |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20600 |
548 Co Rte 65, a residential property, is owned by an individual who acquired it in November 2008.
Source: Oswego County and Constantia Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15266 SW 94TH CIR, LAKE BUTLER, FL 32054-7126 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 24, 2008 |
| Transfer Doc | 0000004207 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 548 Co Rte 65 was $793.
Source: Oswego County and Constantia Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Constantia Town |
| Unified School District | Central Square Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $793.00 | ||
| 2025 | $20,000 Land $19,300 Building $700 | $36,364 Land $35,091 Building $1,273 | |
| 2023 | $38,400 Land $19,300 Building $19,100 | $59,077 Land $29,692 Building $29,385 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 548 Co Rte 65 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Mar 1993 · 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.
Wildfire risk around 548 Co Rte 65 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: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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