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198 Gardenier Rd, Oswego, NY, 13126

3beds
3baths
2,512sqft
$215,000
$86price/sqft
$1,986/moest. monthly cost
$79,440/yrincome needed

About This Home

Looking for a great opportunity? Look no more! This property has tons of potential and is average in living space size for the neighborhood. It is located close to main roads with easy access to local amenities, such as shopping, banking, schools, and various eateries. Per our BPO/TAX describe the property as a SFR (hi-ranch) built in 1961. It has a GLA of approx.2512 and has 3 bedroom and 2.5baths, full/unfinished basement and 4-det Garage. The property is on 56,628 Sq ft lot. No inspection contingencies in contract. Absolutely no repairs before closing. This property is sold As-Is. This is a REO auction property. Current list price: $255,460.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

6/10
Oswego Middle SchoolGrades 7-81.0 mi
3/10
Oswego High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1961

Materials

  • Foundation: Other,See Remarks
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: See Remarks,Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Features

  • Other,See Remarks
  • Flooring: Other,See Remarks

Heating & Cooling

  • Heating features: Gas,Other,See Remarks
  • Cooling features: Other,See Remarks

Interior Area

  • Total structure area: 2,512
  • Total interior livable area: 2,512 sqft

Property

Details

  • Parcel number: 35420014500000040050000000
  • Special condition: Auction,Real Estate Owned

Features

  • Levels: One
  • Stories: 1
  • Exterior features: See Remarks

Lot

  • Lot size: 1.30 Acres
  • Features: Irregular Lot,Other,See Remarks

Parking

  • Total spaces: 4
  • Parking features: Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 WeatherVery High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Inland Flooding
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 $1,087$13,044
Home Insurance *$135$1,620
Property Taxes $349$4,188
Electricity $415$4,981
Total$1,986$23,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,091/yr
40% on housing$59,580/yr
45% on housing$52,960/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

$86This 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
2014-03-06Listing removed$149,900
2013-10-08Listed for sale$149,900

Unknown Listed By

AgentJamarr C Zellner
BrokerageREALHome Services & Solutions

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