Oswego County and Oswego City property record for 92 E Cayuga St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,220 sqft · built 1900 |
| Lot Size | 0.051 acres (2,220 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,076 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 128.48-04-03.2 |
| Primary APN | 351200 128.48-04-03.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,220 sqft Living Area |
| 1st Floor Area | 1,182 sqft |
| 2nd Floor Area | 1,038 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,220 sqft (0.051 acres) |
| Lot Dimensions | 74 ft deep x 30 ft wide |
| Porch | Slab |
| Porch Area | 264 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0178 |
|---|---|
| Street Address | 92 E CAYUGA ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN2 |
| Legal Block | 4 |
| Legal Lot Number | 3.200 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 21605 |
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 | 92 E CAYUGA ST, OSWEGO, NY 13126-1105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 2, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 17, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 92 E CAYUGA ST, OSWEGO, NY 13126-1105 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Title Company | ROCKET CLOSE LLC RESIDENTIAL |
| Name | Verified Name |
|---|---|
| Address | 92 E CAYUGA ST, OSWEGO, NY 13126-1105 |
| Document Number | 0000001559 |
|---|---|
| Date | Feb 24, 2026 |
| Instrument | R-2026-001559 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 92 E CAYUGA ST, OSWEGO, NY 13126-1105 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 92 E CAYUGA ST, OSWEGO, NY 13126-1105 |
| Document Number | 0000008805 |
|---|---|
| Date | Oct 2, 2023 |
| Instrument | R-2023-008805 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 92 E CAYUGA ST, OSWEGO, NY 13126-1105 |
| Document Number | 0000012593 |
| Instrument Date | Dec 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 92 E CAYUGA ST OSWEGO NY 131261105, OSWEGO, NY 13126-1105 |
| Document Number | 0000012593 |
|---|---|
| Date | Dec 27, 2018 |
| Instrument | 12593 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Dec 26, 2033 |
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 | $3,076.00 (-1.16%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,112.00 | $166,000 (+110.13%) Land $13,000 Building $153,000 | $166,000 (+74.4%) Land $13,000 Building $153,000 |
| 2023 | $79,000 Land $6,100 Building $72,900 | $95,181 Land $7,349 Building $87,832 |
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
| 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.
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 |
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 644 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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