55 Speach Dr, Central Square, NY 13036 Property Records

Oswego County and Hastings Town property record for 55 Speach Dr, Central Square, NY 13036

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,872 sqft · built 1993
Lot Size	12.9 acres (564,538 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Feb 2018)
Tax Bill	$4,271 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`353289 275.00-02-40.05`

Property Details

APN / Parcel Number

Primary APN	`353289 275.00-02-40.05`
Alternative APN	`328927500000020400500000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,872 sqft Living Area
1st Floor Area	1,872 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	564,538 sqft (12.9 acres)
Garage Type	Detached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	55 SPEACH DR
City	CENTRAL SQUARE
State	NY
Zip	13036-2337
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R1
Legal Description	LOT 40 699-034-000
Legal Subdivision	13TH TOWNSHIP OF SCRIBAS PATENT
Legal Block	2
Legal Lot Number	40.050
Jurisdiction	OSWEGO NY
Township / Civil Division	HASTINGS
Census Block Group	1
Census Block	1013
Census Tract	20707

Owner

Source: Oswego County and Hastings Town records, 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 Name on Record
Mailing Address	55 SPEACH DR, CENTRAL SQUARE, NY 13036-2337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Feb 13, 2018	Warranty Deed, Transfer · Conventional Mortgage SYRACUSE FIRE DEPT EMPLOYEE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2018 · Amount on Record
Deed Sale	Feb 13, 2018 · Amount on Record
Deed Document Number	20181419
Prior Transfer Date	Aug 15, 1998
Prior Transfer Doc	1424000175
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	55 SPEACH DR, CENTRAL SQUARE, NY 13036-2337
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	PRIORITY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 SPEACH DR, CENTRAL SQUARE, NY 13036-2337

Mortgage

Document Number	0000003675
Date	Nov 17, 2021
Instrument	R-2021-013675

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Feb 13, 2018
Property Address	55 SPEACH DR, CENTRAL SQUARE, NY 13036-2337
Document Number	0000001419
Instrument Date	Jan 9, 2018
Instrument	R-2018-001419
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	INDEPENDENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$568.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 CLOVER RD, 411, SYRACUSE, NY 13219-1423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7934 HADDON HALL WAY, BALDWINSVILLE, NY 13027-8456

Mortgage

Document Number	0000001420
Date	Feb 13, 2018
Instrument	R-2018-001420

Lender

Name	SYRACUSE FIRE DEPT EMPLOYEE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Oswego County and Hastings Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Hastings Town
Unified School District	Central Square Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,271.00	$153,000 (-) Land $42,000 Building $111,000	$204,000 (+14.67%) Land $56,000 Building $148,000
2023		$153,000 Land $42,000 Building $111,000	$177,907 Land $48,837 Building $129,070

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	Jan 2018

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Windstream.

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