97 Sheldon Ave, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 97 Sheldon Ave, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,260 sqft · built 1940
Lot Size	0.227 acres (9,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Aug 2023)
Tax Bill	$3,243 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`351200 127.75-07-12`

Property Details

APN / Parcel Number

Primary APN	`351200 127.75-07-12`
Alternative APNs	`120012707500070120000000` `6695`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	840 sqft
Upper Floors Area	435 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	9,920 sqft (0.227 acres)
Lot Dimensions	124 ft deep x 80 ft wide
Porch	Slab
Porch Area	560 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6695
Street Address	97 SHELDON AVE
City	OSWEGO
State	NY
Zip	13126-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Block	7
Legal Lot Number	12.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2013
Census Tract	21602

Owner

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	42 ELLEN ST, OSWEGO, NY 13126-4010
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK NA
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES FCU
Apr 23, 2018	Grant Deed, Transfer ATTORNEY ONLY
Nov 9, 2017	Grant Deed, Transfer · FHA Mortgage PARAGON HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on Record
Deed Sale	Aug 23, 2023 · Amount on Record
Prior Sale	Apr 29, 2022 · Amount on Record
Deed Document Number	20237423
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 23, 2023
Property Address	97 SHELDON AVE, OSWEGO, NY 13126-1732
Document Number	0000007423
Instrument Date	Aug 12, 2023
Instrument	R-2023-007423
Transaction Type	Transfer
Record Updated	Nov 3, 2023
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97 SHELDON AVE, OSWEGO, NY 13126-1732

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	42 ELLEN ST, OSWEGO, NY 13126-4010

Mortgage

Document Number	0000007424
Date	Aug 23, 2023
Instrument	R-2023-007424

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Apr 29, 2022
Property Address	97 SHELDON AVE, OSWEGO, NY 13126-1732
Document Number	0000004342
Instrument Date	Apr 20, 2022
Instrument	R-2022-004342
Transaction Type	Transfer
Record Updated	May 19, 2022
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97 SHELDON AVE, 97, OSWEGO, NY 13126-1732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 W 5TH ST APT 1, 1, OSWEGO, NY 13126-3627

Mortgage

Document Number	0000004343
Date	Apr 29, 2022
Instrument	R-2022-004343

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8%
Index	Other
Max Rate	8%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Apr 23, 2018
Property Address	97 SHELDON AVE, OSWEGO, NY 13126-1732
Document Number	0000003812
Instrument Date	Apr 17, 2018
Instrument	3812
Transaction Type	Transfer
Record Updated	May 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 COUNTY ROUTE 51 MEXICO NY 131144209, MEXICO, NY 13114-4209

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 9, 2017
Property Address	97 SHELDON AVE, OSWEGO, NY 13126-1732
Document Number	0000011203
Instrument Date	Nov 2, 2017
Instrument	11203
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	VANGUARD RESEARCH AND TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 WHITETAIL CIR OSWEGO NY 131264158, OSWEGO, NY 13126-4158

Mortgage

Document Number	11204
Date	Nov 9, 2017
Instrument	11204

Lender

Name	PARAGON HM LNS
Type	Funding / Finance Company
Address	EAST SYRACUSE, NY 13057

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

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	$3,243.00 (-1.16%)
2025	$3,281.00	$175,000 (+60.55%) Land $21,600 Building $153,400	$175,000 (+33.26%) Land $21,600 Building $153,400
2023		$109,000 (-) Land $14,100 Building $94,900	$131,325 (+10.84%) Land $16,988 Building $114,337
2022		$109,000 Land $14,100 Building $94,900	$118,478 Land $15,326 Building $103,152

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	1 in force
Nearby Flood Claims	4 (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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no wildfire likelihood modeled here

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 200 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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