64 Graves Rd, Central Square, NY 13036 Property Records

Oswego County and Palermo Town property record for 64 Graves Rd, Central Square, NY 13036

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,256 sqft · built 1949
Lot Size	1.93 acres (84,071 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Apr 2026)
Tax Bill	$7,160 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`354400 223.00-03-03.02`

Property Details

APN / Parcel Number

Primary APN	`354400 223.00-03-03.02`
Alternative APN	`440022300000030030200000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,256 sqft Living Area
1st Floor Area	1,392 sqft
2nd Floor Area	864 sqft
Game Room	Game Room

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	84,071 sqft (1.93 acres)
Garage Type	Mixed
Garage Area	840 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	496 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	64 GRAVES RD
City	CENTRAL SQUARE
State	NY
Zip	13036-2287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	3
Legal Lot Number	3.020
Jurisdiction	OSWEGO NY
Township / Civil Division	PALERMO
Census Block Group	1
Census Block	1031
Census Tract	20800

Owner

Source: Oswego County and Palermo Town 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	9576 BLACK CREEK RD, BREWERTON, NY 13029-9748
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORPORATION
Feb 17, 2022	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Feb 17, 2022 · Amount on Record
Deed Document Number	20263017
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Apr 13, 2026
Property Address	64 GRAVES RD, CENTRAL SQUARE, NY 13036-2287
Document Number	0000003017
Instrument Date	Apr 2, 2026
Instrument	20263017
Transaction Type	Transfer
Record Updated	Jul 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98,980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9576 BLACK CREEK RD, BREWERTON, NY 13029-9748
Investor	Possibly a Property Investor

Mortgage

Date	Apr 13, 2026

Lender

Name	HOMESTEAD FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	5.98%
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Feb 17, 2022
Property Address	64 GRAVES RD, CENTRAL SQUARE, NY 13036-2287
Document Number	0000001669
Instrument Date	Jan 27, 2022
Instrument	R-2022-001669
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$828.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	64 GRAVES RD, 64, CENTRAL SQUARE, NY 13036-2287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 ROSS FARMS DR, ALTMAR, NY 13302

Mortgage

Document Number	0000001670
Date	Feb 17, 2022
Instrument	R-2022-001670

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,160.00 (+7.8%) Veteran's exemption
2025	$6,642.00	$207,000 (-) Land $17,000 Building $190,000	$287,500 (+22.22%) Land $23,611 Building $263,889
2023		$207,000 Land $17,000 Building $190,000	$235,227 Land $19,318 Building $215,909

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

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.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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