Oswego County and Oswego City property record for 55 E 5th St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 3,568 sqft · built 1870 |
| Lot Size | 0.151 acres (6,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $387,000 (Oct 2025) |
| Tax Bill | $6,560 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Oct 2025 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 128.48-02-49 |
| Primary APN | 351200 128.48-02-49 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,568 sqft Living Area |
| 1st Floor Area | 1,786 sqft |
| 2nd Floor Area | 1,782 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,600 sqft (0.151 acres) |
| Lot Dimensions | 100 ft deep x 66 ft wide |
| Porch | Slab |
| Porch Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2042 |
|---|---|
| Street Address | 55 E 5TH ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-2242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN2 |
| Legal Block | 2 |
| Legal Lot Number | 49.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 21605 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Washington Square Historic District listed 2010 · 41 contributing resources · NRIS 09001270 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Oswego County and Oswego City 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 17, 2025 | Bargain and Sale Deed, Transfer · Conventional Mortgage SOFI BANK NA |
| Oct 17, 2025 | Warranty Deed, Transfer VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS |
| Jun 30, 2022 | Warranty Deed, Transfer · Conventional Mortgage HUNT MORTGAGE |
| Jul 14, 2020 | Deed of Trust, Construction Loan · Construction Mortgage PATHFINDER BK |
| May 6, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 25, 2017 | Tax Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on Record |
| Deed Sale | Oct 17, 2025 · Amount on Record |
| Prior Sale | Oct 17, 2025 · Amount on Record |
| Deed Document Number | 2025R2025009217 |
| Prior Transfer Date | Mar 28, 2019 |
| Prior Transfer Doc | 0000003644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Oct 17, 2025 |
| Property Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Document Number | 0000009217 |
| Instrument Date | Sep 8, 2025 |
| Instrument | R-2025-009217 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,548.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2707 N 118TH ST, OMAHA, NE 68180-2000 |
| Name | Verified Name |
|---|---|
| Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Document Number | 0000009218 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | R-2025-009218 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Oct 17, 2025 |
| Property Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Document Number | 0000009216 |
| Instrument Date | Aug 12, 2025 |
| Instrument | R-2025-009216 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2025 |
| Title Company | VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,548.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Name | Verified Name |
|---|---|
| Address | 2707 N 118TH ST, OMAHA, NE 68180-2000 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Jun 30, 2022 |
| Property Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Document Number | 0000007019 |
| Instrument Date | Jun 15, 2022 |
| Instrument | R-2022-007019 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,336.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 75 OCONNOR RD, 75, OSWEGO, NY 13126-5850 |
| Name | Verified Name |
|---|---|
| Address | 149 MUIR HILL DR, ALEDO, TX 76008-2576 |
| Document Number | 0000007020 |
|---|---|
| Date | Jun 30, 2022 |
| Instrument | R-2022-007020 |
| Name | HUNT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Jul 14, 2020 |
| Property Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Document Number | 0000005645 |
| Instrument Date | Jul 8, 2020 |
| Instrument | 5645 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 22, 2020 |
| Title Company | INGEO |
| Name | Verified Name |
|---|---|
| Address | 75 OCONNOR RD OSWEGO NY 131265850, OSWEGO, NY 13126-5850 |
| Document Number | 0000005645 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 5645 |
| Name | PATHFINDER BK |
|---|---|
| Type | Bank |
| Address | OSWEGO, NY 13126 |
| Type | Construction Mortgage |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | May 6, 2019 |
| Property Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Document Number | 0000003644 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 3644 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 75 OCONNOR RD OSWEGO NY 131265850, OSWEGO, NY 13126-5850 |
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Oct 25, 2017 |
| Property Address | 55 E 5TH ST, OSWEGO, NY 13126-2242 |
| Document Number | 0000010554 |
| Instrument Date | Sep 19, 2017 |
| Instrument | 10554 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 13 W ONEIDA ST OSWEGO NY 131262556, OSWEGO, NY 13126-2556 |
Source: Oswego County and Oswego City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,560.00 (-1.16%) | ||
| 2025 | $6,637.00 (-41.59%) | $354,000 (-) Land $16,500 Building $337,500 | $354,000 (-) Land $16,500 Building $337,500 |
| 2024 | $11,362.00 | $354,000 (+102.29%) Land $16,500 Building $337,500 | $354,000 (+67.9%) Land $16,500 Building $337,500 |
| 2023 | $175,000 Land $9,600 Building $165,400 | $210,843 Land $11,566 Building $199,277 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective October 15, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | OSWEGO CITY serves 29,400 people · EPA ID NY3704361 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2025–2027) 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 644 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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