95 State Rte 48, Phoenix, NY 13135 Property Records

Oswego County and Granby Town property record for 95 State Rte 48, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,183 sqft · built 1949
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Jul 2017)
Tax Bill	$2,837 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`352800 302.00-01-28`

Property Details

APN / Parcel Number

Primary APN	`352800 302.00-01-28`
Alternative APN	`280030200000010280000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,183 sqft Living Area
1st Floor Area	1,183 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Traditional
Exterior Material	Concrete
Foundation Type	Slab (Mat/Raft)
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	95 STATE ROUTE 48
City	PHOENIX
State	NY
Zip	13135-4259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 33 051-005-000
Legal Block	1
Legal Lot Number	28.000
Jurisdiction	OSWEGO NY
Township / Civil Division	GRANBY
Census Block Group	1
Census Block	1085
Census Tract	21203

Owner

Source: Oswego County and Granby Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · Line of Credit AMERICU CU
Feb 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICU CU
Feb 14, 2024	Intrafamily Transfer, Transfer
Jul 10, 2017	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2017 · Amount on Record
Deed Sale	Jul 10, 2017 · Amount on Record
Deed Document Number	2017R-2017-006352
Last Transfer Date	Feb 8, 2024
Transfer Doc	0000001371
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259

Mortgage

Document Number	0000001581
Date	Feb 22, 2024
Instrument	R-2024-001581

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 21, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259

Mortgage

Document Number	0000001574
Date	Feb 22, 2024
Instrument	R-2024-001574

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 16, 2044

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSWEGO NY
Recording Date	Feb 14, 2024
Property Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259
Document Number	0000001371
Instrument Date	Feb 8, 2024
Instrument	R-2024-001371
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jul 10, 2017
Property Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259
Document Number	0000006352
Instrument Date	Jul 5, 2017
Instrument	R-2017-006352
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	LEATHERSTOCKING ABSTRACT & T

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 STATE ROUTE 48, 103, PHOENIX, NY 13135-4261

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	95 STATE ROUTE 48, PHOENIX, NY 13135-4259

Mortgage

Document Number	0000006353
Date	Jul 10, 2017
Instrument	R-2017-006353

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	WAKEFIELD, MA 01880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,837.00 (+1.14%)
2025	$2,805.00	$60,000 (-) Land $16,600 Building $43,400	$100,000 (+18.33%) Land $27,667 Building $72,333
2023		$60,000 Land $16,600 Building $43,400	$84,507 Land $23,380 Building $61,127

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCWA public/private · serves 350,000 people · EPA ID NY3304336
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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