965 Middle Rd, Oswego, NY 13126 Property Records

Oswego County and Scriba Town property record for 965 Middle Rd, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 480 sqft · built 1920
Lot Size	0.679 acres (29,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,000 (Aug 2017)
Tax Bill	$1,704 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`355600 111.00-05-24.01`

Property Details

APN / Parcel Number

Primary APN	`355600 111.00-05-24.01`
Alternative APN	`560011100000050240100000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	480 sqft Living Area
1st Floor Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Lot Area	29,614 sqft (0.679 acres)
Lot Dimensions	348 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	965 MIDDLE RD
City	OSWEGO
State	NY
Zip	13126-6162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NONE
Legal Description	LOT 76 020-008-000
Legal Subdivision	18TH TOWNSHIP OF SCRIBAS PATENT
Legal Block	5
Legal Lot Number	24.010
Jurisdiction	OSWEGO NY
Township / Civil Division	SCRIBA
Census Block Group	2
Census Block	2049
Census Tract	21504

Owner

Source: Oswego County and Scriba 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	2 Individual Names on Record
Mailing Address	965 MIDDLE RD, OSWEGO, NY 13126-6162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Aug 23, 2017	Warranty Deed, Transfer · Conventional Mortgage EMPOWER FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on Record
Deed Sale	Aug 23, 2017 · Amount on Record
Deed Document Number	20178108
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	965 MIDDLE RD, OSWEGO, NY 13126-6162
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 MIDDLE RD, OSWEGO, NY 13126-6162

Mortgage

Document Number	0000007371
Date	Jul 11, 2022
Instrument	R-2022-007371

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 23, 2017
Property Address	965 MIDDLE RD, OSWEGO, NY 13126-6162
Document Number	0000008108
Instrument Date	Aug 21, 2017
Instrument	R-2017-008108
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	CHICAGO TITLE AMANDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	959 MIDDLE RD, 959, OSWEGO, NY 13126-6162

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	965 MIDDLE RD, OSWEGO, NY 13126-6162

Mortgage

Document Number	0000008109
Date	Aug 23, 2017
Instrument	R-2017-008109

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Scriba Town
Unified School District	Oswego City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,704.00 (+23.21%)
2025	$1,383.00	$42,000 (-) Land $23,200 Building $18,800	$70,000 (+13.33%) Land $38,667 Building $31,333
2023		$42,000 Land $23,200 Building $18,800	$61,765 Land $34,118 Building $27,647

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 · 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	3 in force

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.

Drinking Water

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

Water System	SCRIBA WD (OSWEGO) serves 9,044 people · EPA ID NY3730037
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	2 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 62 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: Verizon.

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