Oswego County and Hastings Town property record for 643 S Main St, Central Square, NY 13036
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,451 sqft · built 1850 |
| Lot Size | 0.377 acres (16,422 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Sep 1992) |
| Tax Bill | $5,087 (2026) |
| Deeds & Mortgages | Apr 2019 Mortgage Aug 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 353201 276.10-05-07 |
| Primary APN | 353201 276.10-05-07 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,451 sqft Living Area |
| 1st Floor Area | 1,460 sqft |
| 2nd Floor Area | 783 sqft |
| Upper Floors Area | 208 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 16,422 sqft (0.377 acres) |
| Lot Dimensions | 165 ft deep x 99.3 ft wide |
| Garage Type | Detached |
| Garage Area | 925 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 213 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 643 S MAIN ST |
|---|---|
| City | CENTRAL SQUARE |
| State | NY |
| Zip | 13036-3507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 07 - MIXED |
| Legal Description | SP 45 024-053-000 |
| Legal Block | 5 |
| Legal Lot Number | 7.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | HASTINGS |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 20706 |
643 S Main St is owned and occupied by two individuals who bought it in September 1992.
Source: Oswego County and Hastings Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 643 S MAIN ST, CENTRAL SQUARE, NY 13036-3507 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Apr 4, 2019 | Deed of Trust, Mortgage PATHFINDER BANK |
| Aug 29, 2017 | Grant Deed, Transfer EXACT TITLE |
| May 23, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 1992 · Amount on File |
| Deed Sale | Sep 16, 1992 · Amount on File |
| Deed Book / Page | 1194 / 125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 643 S MAIN ST, CENTRAL SQUARE, NY 13036-3507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002717 |
|---|---|
| Date | Apr 4, 2019 |
| Instrument | R-2019-002717 |
| Name | PATHFINDER BANK |
|---|---|
| Type | Bank |
| Address | OSWEGO, NY 13126 |
| Amount | Amount on Record |
|---|---|
| Term | 233 Months |
| Due | Sep 10, 2038 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Aug 29, 2017 |
| Property Address | 643 S MAIN ST, CENTRAL SQUARE, NY 13036-3507 |
| Document Number | 0000008335 |
| Instrument Date | Aug 9, 2017 |
| Instrument | 8335 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2017 |
| Title Company | EXACT TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $288.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 CANTER RD CENTRAL SQUARE NY 130362135, CENTRAL SQUARE, NY 13036-2135 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | May 23, 2017 |
| Property Address | 643 S MAIN ST, CENTRAL SQUARE, NY 13036-3507 |
| Document Number | 0000004615 |
| Instrument Date | Nov 28, 2016 |
| Instrument | 4615 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 566 S MAIN ST CENTRAL SQUARE NY 130368707, CENTRAL SQUARE, NY 13036-8707 |
The 2026 property tax bill for 643 S Main St was $5,087, up 19.9% from the year before.
Source: Oswego County and Hastings Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Hastings Town |
| Municipality | Central Square Village |
| Unified School District | Central Square Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,087.00 (+19.89%) | ||
| 2025 | $4,243.00 | $157,200 Land $21,300 Building $135,900 | $209,600 Land $28,400 Building $181,200 |
| 2023 | $157,200 Land $21,300 Building $135,900 | $182,791 Land $24,767 Building $158,024 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 S Main St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 3 in force |
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 643 S Main St 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 | 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 | 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 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| 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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