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205 Cemetery Rd, Oswego, NY, 13126

5beds
2baths
2,280sqft
$199,900
$88price/sqft
$1,835/moest. monthly cost
$73,400/yrincome needed

About This Home

Price Reduction!!!! 2280 sq ft for only $229,900!!!! Say hello to 205 Cemetery Rd in Oswego—a spacious property offering the opportunity to create your ideal home. This five-bedroom residence features a highly desirable first-floor bedroom and convenient first-floor laundry, providing flexible living options and everyday ease. With generous living space and a functional layout, this home is well-suited for a variety of needs. The property is ideally located just minutes from SUNY Oswego, making it especially attractive for student housing if you are looking to invest, need a short commute to this educational institution, or place of work. Nearby educational options also include Oswego City School District schools, all within a short drive. Convenience is key with close proximity to everyday amenities. Grocery shopping is easily accessible with stores like Price Chopper and Walmart Supercenter just minutes away. Enjoy dining, shopping, and entertainment options in downtown Oswego, along with scenic waterfront attractions along Lake Ontario and Breitbeck Park. If you are looking for a spacious home in a convenient and vibrant location, 205 Cemetery Rd offers exceptional potential.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
Oswego Middle SchoolGrades 7-82.3 mi
3/10
Oswego High SchoolGrades 9-122.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1943

Materials

  • Foundation: Block,Stone
  • Roof: Membrane,Rubber,Shingle
  • Construction materials: Frame,Vinyl Siding,Copper Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Basement: Dirt Floor,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Separate/Formal Dining Room,Entrance Foyer,Separate/Formal Living Room,Pull Down Attic Stairs,Bedroom on Main Level,Programmable Thermostat
  • Flooring: Laminate,Tile,Varies,Vinyl
  • Attic: Pull Down Stairs

Heating

  • Heating features: Propane,Baseboard,Forced Air,Hot Water

Interior Area

  • Total structure area: 2,280
  • Total interior livable area: 2,280 sqft

Property

Details

  • Parcel number: 35420014500000050162000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway,Gravel Driveway,Propane Tank - Leased

Lot

  • Lot size: 0.60 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 240 x 190

Parking

  • Total spaces: 1
  • Parking features: Underground,Electricity
  • 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 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 $1,010$12,120
Home Insurance *$125$1,500
Property Taxes $324$3,888
Electricity $376$4,521
Total$1,835$22,020
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,914/yr
40% on housing$55,050/yr
45% on housing$48,933/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

$88This 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)

Price History

DateEventPrice
2026-04-28Price change$229,900
2026-04-13Listed for sale$239,900
2024-08-29Listing removed$2,700
2024-08-21Listed for rent$2,700
2024-05-10Sold$112,100
2024-03-05Pending sale$85,000
2024-02-29Listed for sale$85,000

For Sale by Agent

AgentDonald J. Patti
BrokerageHoward Hanna Real Estate

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