72 E 12th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 72 E 12th St, Oswego, NY 13126 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,474 sqft · built 1968
Lot Size	0.164 acres (7,161 sqft)
Owner	2 Individual Names on File
Last Sale	$121,000 (Dec 2019)
Tax Bill	$3,262 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.25-07-03`

Property Details

APN / Parcel Number

Primary APN	`351200 128.25-07-03`
Alternative APNs	`120012802500070030000000` `5200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,474 sqft Living Area
1st Floor Area	1,474 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,161 sqft (0.164 acres)
Lot Dimensions	100 ft deep x 231 ft wide
Garage Type	Mixed
Garage Area	1,004 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	486 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5200
Street Address	72 E 12TH ST
City	OSWEGO
State	NY
Zip	13126-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	EAST OSWEGO
Legal Block	7
Legal Lot Number	3.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1033
Census Tract	21605

Owner

Source: Oswego County and Oswego City records · APN 351200 128.25-07-03

Assessment roll updated April 30, 2026 · Last verified May 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 File
Mailing Address	72 E 12TH ST, OSWEGO, NY 13126-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2018	Deed of Trust, Mortgage · Line of Credit PATHFINDER BANK
Dec 23, 2019	Warranty Deed, Transfer · Conventional Mortgage PATHFINDER BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Deed Document Number	201911682
Record Updated	Jun 08, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	72 E 12TH ST, OSWEGO, NY 13126-1631
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	CNY ABSTRACT & TITLE SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002987
Date	Mar 30, 2018
Instrument	R-2018-002987

Lender

Name	PATHFINDER BANK
Type	Bank
Address	OSWEGO, NY 13126

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Dec 23, 2019
Property Address	72 E 12TH ST, OSWEGO, NY 13126-1631
Document Number	0000001682
Instrument Date	Dec 11, 2019
Instrument	R-2019-011682
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	VANGUARD RESEARCH & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$484.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 E 12TH ST, 72, OSWEGO, NY 13126-1631

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 E 12TH ST, OSWEGO, NY 13126-1631

Mortgage

Document Number	0000001683
Date	Dec 23, 2019
Instrument	R-2019-011683

Lender

Name	PATHFINDER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

Tax Assessment & Valuation

Source: Oswego County and Oswego City records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
Municipality	Oswego City
Unified School District	Oswego City School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,262.00	$174,000 (+43.8%) Land $21,300 Building $152,700	$174,000 (+19.36%) Land $21,300 Building $152,700
2023		$121,000 Land $13,200 Building $107,800	$145,783 Land $15,904 Building $129,879

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oswego County (36075C), updated October 15, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360750216051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 150 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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