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323 Maple St, Oswego, NY, 13126

4beds
2baths
2,401sqft
$240,000
$100price/sqft
$2,150/moest. monthly cost
$86,000/yrincome needed

About This Home

Large home in a city setting, but feels like you’re in the country with its large backyard with beautiful mature trees, built-in Stone fireplace and stone table. More storage space than you will probably ever need with two storage sheds outside a full walk around basement two other spaces that are attached to the home. One was used for an in-home gym with a large living room dining room area to host holiday dinners. And an upstairs secondary living room space and built-in enclosed dog run.

Getting Around

50
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

6/10
Oswego Middle SchoolGrades 7-81.8 mi
3/10
Oswego High SchoolGrades 9-121.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1940

Materials

  • Foundation: Block
  • Construction materials: Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Electric Water Heater,Gas Oven,Gas Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Eat-in Kitchen,Separate/Formal Living Room,Great Room,Bedroom on Main Level
  • Flooring: Ceramic Tile,Hardwood,Laminate,Luxury Vinyl,Other,See Remarks,Varies

Heating & Cooling

  • Heating features: Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,401
  • Total interior livable area: 2,401 sqft

Property

Details

  • Parcel number: 35120012806600050040000000
  • Special condition: Standard

Features

  • Patio & porch: Open,Porch
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 0.60 Acres
  • Features: Rectangular,Rectangular Lot,Wooded
  • Lot size dimensions: 106 x 248

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Ice Storm
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Oswego County and New York

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $1,213$14,556
Home Insurance *$151$1,812
Property Taxes $390$4,680
Electricity $396$4,761
Total$2,150$25,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,714/yr
40% on housing$64,500/yr
45% on housing$57,333/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$100This listing

vs Other Active Listings

Avg $/sqft

ZIP 13126$122
Oswego County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 13126$124
Oswego County$135

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)

No zestimate history available

Price History

DateEventPrice
2026-07-24Price change$240,000
2026-07-17Listed for sale$245,000
2015-06-23Sold$50,000

For Sale by Agent

AgentDavid White
BrokerageOwner Entry.com

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