Oswego County and Oswego City property record for 81 Third Ave, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,984 sqft · built 1971 |
| Lot Size | 0.287 acres (12,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Oct 2007) |
| Tax Bill | $6,523 (2026) |
| Deeds & Mortgages | Feb 2018 Mortgage Jul 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 145.27-04-09 |
| Primary APN | 351200 145.27-04-09 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,984 sqft Living Area |
| 1st Floor Area | 1,906 sqft |
| Basement Area | 1,078 sqft |
| Finished Basement | 1,078 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Lot Area | 12,500 sqft (0.287 acres) |
| Lot Dimensions | 100 ft deep x 132 ft wide |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Porch | Slab |
| Porch Area | 784 sqft |
| Patio Area | 400 sqft |
| Shed | 1 Shed |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 7257 |
|---|---|
| Street Address | 81 THIRD AVE |
| City | OSWEGO |
| State | NY |
| Zip | 13126-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN2 |
| Legal Block | 4 |
| Legal Lot Number | 9.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 21602 |
Source: Oswego County and Oswego City 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 | 81 THIRD AVE, OSWEGO, NY 13126-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2018 | Deed of Trust, Mortgage PATHFINDER BANK |
| Jul 24, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Apr 12, 2017 | Deed of Trust, Mortgage · Line of Credit PATHFINDER BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2007 · Amount on Record |
| Deed Sale | Oct 19, 2007 · Amount on Record |
| Deed Document Number | 2007R-2007-013954 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 81 THIRD AVE, OSWEGO, NY 13126-1824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CNY ABSTRACT & TITLE SERVICE |
| Name | Verified Name |
|---|
| Document Number | 0000001577 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | R-2018-001577 |
| Name | PATHFINDER BANK |
|---|---|
| Type | Bank |
| Address | OSWEGO, NY 13126 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Feb 14, 2033 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Jul 24, 2019 |
| Property Address | 81 THIRD AVE, OSWEGO, NY 13126-1824 |
| Document Number | 0000006195 |
| Instrument Date | Jul 18, 2019 |
| Instrument | 6195 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 81 THIRD AVE OSWEGO NY 131261824, OSWEGO, NY 13126-1824 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 81 THIRD AVE, OSWEGO, NY 13126-1824 |
| Document Number | 0000003484 |
| Instrument Date | Apr 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 81 THIRD AVE OSWEGO NY 131261824, OSWEGO, NY 13126-1824 |
| Document Number | 0000003484 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | 3484 |
| Name | PATHFINDER BK |
|---|---|
| Type | Bank |
| Address | OSWEGO, NY 13126 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 18, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Oswego County and Oswego City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,523.00 (-1.17%) Homeowner's exemption | ||
| 2025 | $6,600.00 | $352,000 (+65.96%) Land $23,100 Building $328,900 | $352,000 (+37.75%) Land $23,100 Building $328,900 |
| 2023 | $212,100 Land $22,500 Building $189,600 | $255,542 Land $27,108 Building $228,434 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 4 (1979–2011) |
| Most Recent Claim | Sep 2011 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 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 | OSWEGO CITY serves 29,400 people · EPA ID NY3704361 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2025–2027) 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 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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