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Single Family ResidenceResidential
$321,178$168 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

3648 COUNTY ROUTE 45

OSWEGO, NY 13126
3
Beds
2
Baths
1,908 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.
4.84 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$321K
$280K low$362K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,866 (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.$180,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$158,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$180,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$281,250

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.43
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Tlog Home
CountyOswego
Lot (acres)The size of the land the home sits on, from county records.4.84
HeatingThe type of heating system in the home.Forced Air
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

E
Minetto Elementary SchoolC
Elementary · Grades PK–6 · 1.7 mi
M
Oswego Middle SchoolC
Middle · Grades 7–8 · 3.6 mi
H
Oswego High SchoolC-
High · Grades 9–12 · 5.2 mi

District: Oswego City 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%

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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

3648 County Route 45 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 92% of homes in Oswego 13126
  • Costs more per square foot than 91% of homes in Oswego 13126
  • Bigger than 77% of homes in Oswego County
  • Has a bigger lot than 88% of homes in Oswego 13126
  • Newer than 95% of homes in Oswego 13126

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$414K

This home is worth more than 92% 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$321,178
CheaperTypical $165,511Pricier

Pricier than 92% of homes nearby

Price per ft²$168
CheaperTypical $106Pricier

Pricier than 91% of homes nearby

Living area1,908 ft²
SmallerTypical 1,539 ft²Bigger

Bigger than 72% of homes nearby

Lot size4.84 ac
SmallerTypical 0.4 acBigger

Bigger than 88% of homes nearby

Year built2003
OlderTypical 1946Newer

Newer than 95% of homes nearby

How 3648 County Route 45 ranks against every home in each area.
MeasureThis homeOswego 13126Oswego County
Estimated valuepricier than$321,17892% of homes90% of homes
Price per ft²pricier than$16891% of homes82% of homes
Living areabigger than1,908 ft²72% of homes77% of homes
Lot sizebigger than4.84 ac88% of homes78% of homes
Year builtnewer than200395% of homes91% of homes

About 3648 County Route 45

How much is 3648 County Route 45, Oswego, NY worth?

The TopHap Estimate for 3648 County Route 45, Oswego, NY is $321,178 as of Sep 24, 2026. The likely range is $280,201 to $362,155. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3648 County Route 45, Oswego, NY last sell?

3648 County Route 45, Oswego, NY last sold on Aug 12, 2008, according to the county's recorded deed.

How big is 3648 County Route 45, Oswego, NY?

3648 County Route 45, Oswego, NY has 3 bedrooms, 2 bathrooms, 1,908 square feet of living space and a 4.84-acre lot.

When was 3648 County Route 45, Oswego, NY built?

3648 County Route 45, Oswego, NY was built in 2003, making it 23 years old. It is a tlog home home. The building has 2 stories.

What schools serve 3648 County Route 45, Oswego, NY?

3648 County Route 45, Oswego, NY is assigned to Minetto Elementary School (elementary), rated C; Oswego Middle School (middle), rated C; Oswego High School (high), rated C-. All sit in Oswego City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3648 County Route 45, Oswego, NY compare to other homes in Oswego 13126?

Among the 11,482 homes in Oswego 13126, it is worth more than 92% of them ($321,178 against a typical $165,511), its price per square foot is higher than 91% of them ($168 against a typical $106), it is bigger than 72% of them (1,908 ft² against a typical 1,539 ft²), its lot is bigger than 88% of them (4.84 ac against a typical 0.4 ac) and it is newer than 95% of them (2003 against a typical 1946). Measured against all of Oswego County, it is worth more than 90% 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 3648 County Route 45, Oswego, NY?

The 2024 property tax bill for 3648 County Route 45, Oswego, NY was $6,866. The county assessed it at $180,000.

More homes on County Route 45

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Assigned schools

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