145 E Bridge St, Oswego, NY, 13126
About This Home
Here is a Fantastic OPPORTUNITY for you to Run your Own business Downstairs & OWNER OCCUPY Upstairs in this Unique Property that has Living Quarters above the Office/Retail Space! The Living Quarters has been updated for you & is Move In Ready! It features 2 Bedrooms, a nicely remodeled Bath, Open Kitchen/Dining Area with Real Wood cabinets & New Oven! It is quaint and has Big windows that let lots of natural sunlight in. The First floor is modern Commercial Office space currently set up as professional office space featuring: a welcoming reception and waiting area, 3 spacious private Offices, an Updated Bathroom, and kitchenette/storage area for convenience. There is even a large open space in the center that could be used for more working area if desired. This layout will work well for most businesses such as accounting, insurance, medical, legal, consulting, - but could also easily be turned into retail space to sell your specialty items or would make a great nail spa or hair salon! This building has been exceptionally maintained, and you will find it an appealing, comfortable space for your needs. It is flexible and functional! If you don't wish to live upstairs imagine the income potential - let the tenant pay your Loan Payment- ideal for someone just starting out with a fresh new business idea. An affordable option to grow from. Separate Utilities for both upstairs and downstairs. With its highly visible location, mixed use setup, and strong potential this Oswego property is ready for its next Owner- Why not YOU?
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1950
Materials
- Foundation: Block
- Roof: Asphalt,Shingle
- Construction materials: Vinyl Siding,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Other,See Remarks
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Oven,Gas Range,Gas Water Heater,Refrigerator
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Eat-in Kitchen,Home Office,Other,See Remarks
- Flooring: Luxury Vinyl
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 3,627
- Total interior livable area: 3,627 sqft
Property
Details
- Parcel number: 35120012804800050170000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 1,742 sqft
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 25 x 66
Parking
- Parking features: No Garage,No Driveway
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Winter Weather
- Ice Storm
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Oswego County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $859 | $10,308 |
| Home Insurance * | $107 | $1,284 |
| Property Taxes | $276 | $3,312 |
| Electricity | $599 | $7,192 |
| Total | $1,841 | $22,092 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-21 | Price change | $169,900 |
| 2026-05-28 | Listed for sale | $175,000 |
View on Zillow