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Rural ResidenceResidential
$405,901$139 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $355,000 on Mar 14, 2025

354 STATE ROUTE 104

OSWEGO, NY 13126
3
Beds
3 / 1
Baths
2,914 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
16.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$406K
$337K low$475K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$355,000 · Mar 14, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$50,901
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$40,721
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.89%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$355,000
MORTGAGE RESEARCH CENTER LLC · recorded Mar 14, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,179 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$152,500 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$117,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$152,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$250,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.36
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
86
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyOswego
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1975
Lot (acres)The size of the land the home sits on, from county records.16.39
HeatingThe type of heating system in the home.Forced Air
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Vinyl Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 420 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Hannibal High SchoolD-
High · Grades 9–12 · 5.2 mi
M
Kenney Middle SchoolC+
Middle · Grades 5–8 · 5.6 mi
E
Fairley SchoolD-
Elementary · Grades PK–4 · 5.6 mi

District: Hannibal Central School District

Neighborhood · ZIP 13126These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.35,399
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.321 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,623
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,556
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

354 State Route 104 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in Oswego 13126
  • Costs more per square foot than 77% of homes in Oswego 13126
  • Bigger than 97% of homes in Oswego County
  • Has a bigger lot than 96% of homes in Oswego 13126
  • Older than 65% of homes in Oswego County

What homes are worth in Oswego 13126

Each bar is how many homes fall in that price range. The marker is this home.

This home
$60K$424K

This home is worth more than 97% of homes in Oswego 13126.

How it measures up in Oswego 13126

The dot is this home. The mark in the middle is the typical home in Oswego 13126.

Estimated value$405,901
CheaperTypical $162,769Pricier

Pricier than 97% of homes nearby

Price per ft²$139
CheaperTypical $104Pricier

Pricier than 77% of homes nearby

Living area2,914 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 96% of homes nearby

Lot size16.39 ac
SmallerTypical 0.41 acBigger

Bigger than 96% of homes nearby

Year built1945
OlderTypical 1945Newer

Newer than 50% of homes nearby

How 354 State Route 104 ranks against every home in each area.
MeasureThis homeOswego 13126Oswego County
Estimated valuepricier than$405,90197% of homes96% of homes
Price per ft²pricier than$13977% of homes66% of homes
Living areabigger than2,914 ft²96% of homes97% of homes
Lot sizebigger than16.39 ac96% of homes91% of homes
Year builtnewer than194550% of homes35% of homes

About 354 State Route 104

How much is 354 State Route 104, Oswego, NY worth?

The TopHap Estimate for 354 State Route 104, Oswego, NY is $405,901 as of Jul 14, 2026. The likely range is $337,122 to $474,680. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 354 State Route 104, Oswego, NY last sell?

354 State Route 104, Oswego, NY last sold on Mar 14, 2025 for $355,000, according to the county's recorded deed.

How big is 354 State Route 104, Oswego, NY?

354 State Route 104, Oswego, NY has 3 bedrooms, 3 bathrooms, 2,914 square feet of living space and a 16.39-acre lot.

When was 354 State Route 104, Oswego, NY built?

354 State Route 104, Oswego, NY was built in 1945, making it 81 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 354 State Route 104, Oswego, NY?

354 State Route 104, Oswego, NY is assigned to Hannibal High School (high), rated D-; Kenney Middle School (middle), rated C+; Fairley School (elementary), rated D-. All sit in Hannibal Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 354 State Route 104, Oswego, NY compare to other homes in Oswego 13126?

Among the 11,486 homes in Oswego 13126, it is worth more than 97% of them ($405,901 against a typical $162,769), its price per square foot is higher than 77% of them ($139 against a typical $104), it is bigger than 96% of them (2,914 ft² against a typical 1,536 ft²), its lot is bigger than 96% of them (16.39 ac against a typical 0.41 ac) and it is newer than 50% of them (1945 against a typical 1945). Measured against all of Oswego County, it is worth more than 96% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 354 State Route 104, Oswego, NY?

The 2024 property tax bill for 354 State Route 104, Oswego, NY was $6,179. The county assessed it at $152,500.

Closest homes

More homes in Oswego 13126

Assigned schools

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