12 Mercer St, Oswego, NY, 13126
About This Home
Calling All Investors! This home is ready for someone to bring it back to its full potential! The seller has started renovations, and the property just needs the finishing touches to complete the transformation. The second floor offers the potential for three to four bedrooms. The first floor features a spacious, open floor plan flowing from the living room into the dining room and kitchen, along with a large full bathroom and washer/dryer hookups. The generously sized backyard is fully fenced, providing plenty of outdoor space. Enjoy beautiful views of Lake Ontario, located just across the street! The sale also includes an additional 20' x 100' lot, giving the property a total lot size of approximately 48' x 100'. Don't miss this great opportunity to renovate and make this property your own! Property and Home is being Sold AS IS.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1850
Materials
- Foundation: Stone
- Roof: Asphalt
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial,Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Electric Water Heater,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
Features
- Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Country Kitchen,Living/Dining Room,Natural Woodwork
- Flooring: Hardwood,Varies
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,290
- Total interior livable area: 1,290 sqft
Property
Details
- Parcel number: 35120012802400040040000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Open,Porch
- Exterior features: Fence,Gravel Driveway
- Fencing: Partial
Lot
- Lot size: 2,800 sqft
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 48 x 100
Parking
- Parking features: No Garage
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 | $252 | $3,024 |
| Home Insurance * | $31 | $372 |
| Property Taxes | $81 | $972 |
| Electricity | $246 | $2,954 |
| Total | $610 | $7,320 |
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 |
|---|---|---|
| 2026-07-24 | Listed for sale | $50,000 |
| 2023-07-31 | Sold | $40,000 |
| 2023-04-18 | Pending sale | $49,000 |
| 2023-04-10 | Listed for sale | $49,000 |
| 2022-06-24 | Sold | $43,500 |
| 2022-05-16 | Contingent | $47,000 |
| 2022-04-29 | Listed for sale | $47,000 |
| 2022-03-17 | Pending sale | $47,000 |
| 2022-02-28 | Contingent | $47,000 |
| 2022-02-15 | Price change | $47,000 |
| 2021-10-28 | Listed for sale | $50,000 |
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