89 Lower Rd, Constantia, NY 13044 Property Records

Oswego County and Constantia Town property record for 89 Lower Rd, Constantia, NY 13044

Property Summary

Property Type	Residential
Details	2 bd · 1 ba · 680 sqft · built 1920
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$33,000 (Oct 2008)
Tax Bill	$2,059 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`352689 296.00-06-10`

Property Details

APN / Parcel Number

Primary APN	`352689 296.00-06-10`
Alternative APN	`268929600000060100000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	680 sqft Living Area
1st Floor Area	680 sqft
Upper Floors Area	470 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	132 ft deep x 181 ft wide
Porch	Covered Porch
Porch Area	240 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	89 LOWER RD
City	CONSTANTIA
State	NY
Zip	13044-2619
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Block	6
Legal Lot Number	10.000
Jurisdiction	OSWEGO NY
Township / Civil Division	CONSTANTIA
Census Block Group	2
Census Block	2093
Census Tract	20600

Owner

Source: Oswego County and Constantia Town 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	Individual Name on Record
Mailing Address	89 LOWER RD, CONSTANTIA, NY 13044-2619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2020	Grant Deed, Transfer PREMIUM MTG
Aug 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2008 · Amount on Record
Deed Sale	Oct 6, 2008 · Amount on Record
Deed Document Number	2008R-2008-011453
Prior Transfer Date	Apr 12, 2005
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 7, 2020
Property Address	89 LOWER RD, CONSTANTIA, NY 13044-2619
Document Number	0000009406
Instrument Date	Sep 21, 2020
Instrument	9406
Transaction Type	Transfer
Record Updated	Jan 15, 2021
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	220 LITTLE CANADA RD CENTRAL SQUARE NY 130362282, CENTRAL SQUARE, NY 13036-2282

Mortgage

Document Number	9407
Date	Oct 7, 2020
Instrument	9407

Lender

Name	PREMIUM MTG
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 2, 2018
Property Address	89 LOWER RD, CONSTANTIA, NY 13044-2619
Document Number	0000007314
Instrument Date	May 17, 2018
Instrument	7314
Transaction Type	Transfer
Record Updated	Sep 3, 2018

Transaction

Amount	Amount Recorded
Tax	$64.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 34TH ST CONSTANTIA NY 130442704, CONSTANTIA, NY 13044-2704

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
2026	$2,059.00 (+1.73%)
2025	$2,024.00	$35,000 (+25%) Land $10,000 Building $25,000	$63,636 (+313.62%) Land $18,182 Building $45,454
2023		$10,000 Land $10,000	$15,385 Land $15,385

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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