Oswego County and Hastings Town property record for 7 Ladd St, Central Square, NY 13036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,200 sqft · built 1955 |
| Lot Size | 0.183 acres (8,010 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (May 2018) |
| Tax Bill | $2,861 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 353289 275.03-06-05 |
| Primary APN | 353289 275.03-06-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,010 sqft (0.183 acres) |
| Lot Dimensions | 133 ft deep x 60 ft wide |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Slab |
| Porch Area | 322 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 7 LADD ST |
|---|---|
| City | CENTRAL SQUARE |
| State | NY |
| Zip | 13036-2319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | H |
| Legal Description | LHW 5 007-042-000 |
| Legal Subdivision | VILLAGE OF CAUGHDENOY |
| Legal Block | 6 |
| Legal Lot Number | 5.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | HASTINGS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 20707 |
7 Ladd St is owned and occupied by an individual who bought it in May 2018.
Source: Oswego County and Hastings Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7 LADD ST, CENTRAL SQUARE, NY 13036-2319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2026 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) PRIVATE LENDING INC |
| Jun 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP |
| May 8, 2018 | Grant Deed, Transfer · VA Mortgage SYRACUSE SECURITIES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2018 · Amount on File |
| Deed Sale | May 8, 2018 · Amount on File |
| Prior Sale | Mar 6, 2012 · Amount on File |
| Deed Document Number | 20184321 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Apr 9, 2026 |
| Property Address | 7 LADD ST, CENTRAL SQUARE, NY 13036-2319 |
| Document Number | 0000002970 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 20262970 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000002970, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 20262970 |
| Name | PRIVATE LENDING INC |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 7 LADD ST, CENTRAL SQUARE, NY 13036-2319 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | STEWART TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000004380 |
|---|---|
| Date | Jun 4, 2020 |
| Instrument | R-2020-004380 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | May 8, 2018 |
| Property Address | 7 LADD ST, CENTRAL SQUARE, NY 13036-2319 |
| Document Number | 0000004321 |
| Instrument Date | May 2, 2018 |
| Instrument | 4321 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9640 HORSESHOE ISLAND RD CLAY NY 130419621, CLAY, NY 13041-9621 |
| Document Number | 4322 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 4322 |
| Name | SYRACUSE SECURITIES |
|---|---|
| Type | MERS |
| Address | EAST SYRACUSE, NY 13057 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 7, 2048 |
The 2026 property tax bill for 7 Ladd St was $2,861, up 2.3% 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 |
| Unified School District | Central Square Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,861.00 (+2.32%) | ||
| 2025 | $2,796.00 | $93,000 Land $16,000 Building $77,000 | $124,000 Land $21,333 Building $102,667 |
| 2023 | $93,000 Land $16,000 Building $77,000 | $108,140 Land $18,605 Building $89,535 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Ladd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 7 Ladd 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 | Direct burnable vegetation |
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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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