96 Ellen St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 96 Ellen St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,596 sqft · built 1928
Lot Size	0.123 acres (5,379 sqft)
Owner	Individual Name on File
Last Sale	$272,500 (Jan 2026)
Tax Bill	$1,575 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage May 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`351200 146.31-01-06`

Property Details

APN / Parcel Number

Primary APN	`351200 146.31-01-06`
Alternative APNs	`120014603100010060000000` `5075`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	912 sqft
Upper Floors Area	684 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,379 sqft (0.123 acres)
Lot Dimensions	163 ft deep x 33 ft wide
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5075
Street Address	96 ELLEN ST
City	OSWEGO
State	NY
Zip	13126-3907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Block	1
Legal Lot Number	6.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1004
Census Tract	21603

Owner

96 Ellen St is owned and occupied by an individual who bought it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	96 ELLEN ST, OSWEGO, NY 13126-3907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP
May 4, 2023	Bargain and Sale Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Mar 2, 2023	Referee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2026 · Amount on File
Deed Sale	Jan 21, 2026 · Amount on File
Prior Sale	May 4, 2023 · Amount on File
Deed Document Number	2026R2026000602
Prior Transfer Date	Feb 13, 2023
Prior Transfer Doc	0000001905
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 21, 2026
Property Address	96 ELLEN ST, OSWEGO, NY 13126-3907
Document Number	0000000602
Instrument Date	Jan 12, 2026
Instrument	R-2026-000602
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	489 COUNTY ROUTE 85, FULTON, NY 13069-4149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 ELLEN ST, OSWEGO, NY 13126-3907

Mortgage

Document Number	0000000603
Date	Jan 21, 2026
Instrument	R-2026-000603

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

May 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	OSWEGO NY
Recording Date	May 4, 2023
Property Address	96 ELLEN ST, OSWEGO, NY 13126-3907
Document Number	0000003721
Instrument Date	Apr 20, 2023
Instrument	R-2023-003721
Transaction Type	Transfer
Record Updated	May 31, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 ALBANY ST STE 250, 250, NEW BRUNSWICK, NJ 08901-1296

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2023: Referee's Deed, Foreclosure

Document Type	Referee's Deed
Jurisdiction	OSWEGO NY
Recording Date	Mar 2, 2023
Property Address	96 ELLEN ST, OSWEGO, NY 13126-3907
Document Number	0000001905
Instrument Date	Feb 13, 2023
Instrument	R-2023-001905
Transaction Type	Foreclosure
Record Updated	May 31, 2023

Transaction

Amount	Amount on Record
Tax	$578.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CHURCH ST, NEW BRUNSWICK, NJ 08901-2002

Tax Assessment & Valuation

The 2026 property tax bill for 96 Ellen St was $1,575, down 1.1% from the year before.

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
2026	$1,575.00 (-1.13%)
2025	$1,593.00 (-51.67%)	$85,000 (-) Land $18,900 Building $66,100	$85,000 (-) Land $18,900 Building $66,100
2024	$3,296.00	$85,000 (-22.37%) Land $18,900 Building $66,100	$85,000 (-35.57%) Land $18,900 Building $66,100
2023		$109,500 Land $11,600 Building $97,900	$131,928 Land $13,976 Building $117,952

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 96 Ellen St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1979–2011)
Most Recent Claim	Sep 2011 · 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

Wildfire risk around 96 Ellen St is low, with a 0.01% annual chance of 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

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	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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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