86 Lower Rd, Constantia, NY 13044 Property Records

Oswego County and Constantia Town property record for 86 Lower Rd, Constantia, NY 13044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 1986
Lot Size	0.918 acres (40,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jan 2025)
Tax Bill	$4,665 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`352689 296.00-06-16.01`

Property Details

APN / Parcel Number

Primary APN	`352689 296.00-06-16.01`
Alternative APN	`268929600000060160100000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	40,000 sqft (0.918 acres)
Lot Dimensions	200 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	384 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	86 LOWER RD
City	CONSTANTIA
State	NY
Zip	13044-2619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 487-005-000
Legal Subdivision	GRAT TRACT 1
Legal Block	6
Legal Lot Number	16.010
Jurisdiction	OSWEGO NY
Township / Civil Division	CONSTANTIA
Census Block Group	2
Census Block	2056
Census Tract	20600

Owner

Source: Oswego County and Constantia Town records, 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	2 Individual Names on Record
Mailing Address	111 KENDALL DR E, EAST SYRACUSE, NY 13057-2627
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Feb 19, 2019	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2025 · Amount on Record
Deed Sale	Jan 23, 2025 · Amount on Record
Prior Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	2025R-2025-000539
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	86 LOWER RD, CONSTANTIA, NY 13044-2619
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 LOWER RD, CONSTANTIA, NY 13044-2619

Mortgage

Document Number	0000008423
Date	Jul 23, 2021
Instrument	R-2021-008423

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Feb 19, 2019
Property Address	86 LOWER RD, CONSTANTIA, NY 13044-2619
Document Number	0000001390
Instrument Date	Feb 13, 2019
Instrument	R-2019-001390
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$596.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86 LOWER RD, 86, CONSTANTIA, NY 13044-2619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 LOWER RD, CONSTANTIA, NY 13044-2619

Mortgage

Document Number	0000001391
Date	Feb 19, 2019
Instrument	R-2019-001391

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Constantia Town
Unified School District	Central Square Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,665.00	$102,100 (-) Land $13,800 Building $88,300	$185,636 (+18.18%) Land $25,091 Building $160,545
2023		$102,100 Land $13,800 Building $88,300	$157,077 Land $21,231 Building $135,846

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Mar 1993 · 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.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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