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47 Franklin Ave, Oswego, NY, 13126

4beds
2baths
1,715sqft
$220,000
$128price/sqft
$1,890/moest. monthly cost
$75,600/yrincome needed

About This Home

Great location next to SUNY Oswego, walking distance to Lake Ontario. New Roof (Nov. 2025) Two rental units.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

3/10
6/10
Oswego Middle SchoolGrades 7-82.1 mi
3/10
Oswego High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Crawl/Raised
  • Construction materials: concrete

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Laminate
  • Fireplace: Yes

Heating

  • Heating features: Forced air,Gas

Interior Area

  • Total interior livable area: 1,715 sqft

Property

Details

  • Parcel number: 354200127190106

Features

  • Exterior features: Cement / Concrete

Lot

  • Lot size: 0.44 Acres

Parking

  • Parking features: Garage - Attached

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 $1,112$13,344
Home Insurance *$138$1,656
Property Taxes $357$4,284
Electricity $283$3,401
Total$1,890$22,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,800/yr
40% on housing$56,700/yr
45% on housing$50,400/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

$128This listing

vs Other Active Listings

Avg $/sqft

ZIP 13126$121
Oswego County$155

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
2026-05-27Listed for sale$220,000
2008-03-07Sold$118,000
2006-09-13Sold$69,500
2001-11-20Sold$19,965

For Sale by Owner

AgentProperty Owner

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