85 E 5th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 85 E 5th St, Oswego, NY 13126

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,570 sqft · built 1955
Lot Size	0.08 acres (3,485 sqft)
Owner	Company Name on File
Last Sale	$72,000 (Oct 2021)
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`351200 128.48-02-32`

Property Details

APN / Parcel Number

Primary APN	`351200 128.48-02-32`
Alternative APNs	`120012804800020320000000` `0403 M`

Interior

Stories	2 Stories
Building Area	2,570 sqft Gross Area
Basement Area	1,265 sqft
Unfinished Basement	1,265 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	100 ft deep x 33 ft wide
Porch	Slab
Porch Area	267 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0403 M
Street Address	85 E 5TH ST
City	OSWEGO
State	NY
Zip	13126-2281
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	TN2
Legal Subdivision	FOURTH WARD
Legal Block	2
Legal Lot Number	32.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3010
Census Tract	21605

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Washington Square Historic District listed 2010 · 41 contributing resources · NRIS 09001270

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	27 3RD ST, SAYREVILLE, NJ 08872-1308
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage QUANTUM FUNDING OF NY LLC
Feb 16, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Prior Sale	May 24, 2016 · Amount on Record
Deed Document Number	2021R-2021-011799
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 6, 2021
Property Address	85 E 5TH ST, OSWEGO, NY 13126-2281
Document Number	0000001799
Instrument Date	Sep 6, 2021
Instrument	R-2021-011799
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$288.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5427, OSWEGO, NY 13126-5427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 3RD ST, SAYREVILLE, NJ 08872-1308

Mortgage

Document Number	0000001800
Date	Oct 6, 2021
Instrument	R-2021-011800

Lender

Name	QUANTUM FUNDING OF NY LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 17, 2036

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Feb 16, 2018
Property Address	85 E 5TH ST, OSWEGO, NY 13126-2281
Document Number	0000001558
Instrument Date	Feb 6, 2018
Instrument	1558
Transaction Type	Transfer
Record Updated	Mar 5, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14 LAWRENCE ST OSWEGO NY 131263158, OSWEGO, NY 13126-3158

Tax Assessment & Valuation

Source: Oswego County and Oswego City assessment roll, as of April 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,593.00	$85,000 (+18.06%) Land $21,400 Building $63,600	$85,000 (-2.01%) Land $21,400 Building $63,600
2023		$72,000 (-) Land $6,600 Building $65,400	$86,747 (+10.84%) Land $7,952 Building $78,795
2022		$72,000 Land $6,600 Building $65,400	$78,261 Land $7,174 Building $71,087

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	None beyond ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 879 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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