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99 5th Ave, Oswego, NY, 13126

5beds
2baths
1,764sqft
$240,000
$136price/sqft
$2,045/moest. monthly cost
$81,800/yrincome needed

About This Home

Welcome to this beautifully updated 5-bedroom, 2-bathroom home offering plenty of space and convenience for modern living. As you enter, you’ll be greeted by a large entryway that sets the tone for the rest of the home, featuring new flooring throughout for a fresh, modern feel. The spacious living room provides plenty of room for gatherings or relaxation, while the home boasts five generously sized bedrooms, each offering ample closet space. Both bathrooms have been updated with stylish finishes and improved functionality. The updated kitchen features modern appliances and plenty of counter space, perfect for preparing meals or entertaining guests. A convenient laundry area adds to the functionality of the home. For added storage, the home includes attic space, providing plenty of room for your seasonal items or other belongings. Outside, you’ll appreciate the large parking area with plenty of space for multiple vehicles, in addition to a 1.5-car garage for extra storage or parking needs. This home offers a great balance of modern updates, practical features, and space in a convenient location. Minutes from the university, local dining, shopping, this home is perfect for a variety of buyers—whether you're a student, faculty member, or someone looking for a great investment opportunity!

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

4/10
6/10
Oswego Middle SchoolGrades 7-81.9 mi
3/10
Oswego High SchoolGrades 9-120.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1890

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Shake Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Oven,Gas Range,Gas Water Heater,Microwave,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

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

Features

  • Entrance Foyer,Eat-in Kitchen,Separate/Formal Living Room,Bedroom on Main Level
  • Flooring: Hardwood,Luxury Vinyl,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,764
  • Total interior livable area: 1,764 sqft

Property

Details

  • Parcel number: 35120012707500010090000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 0.37 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 105 x 152

Parking

  • Total spaces: 1.5
  • Parking features: Detached,Garage,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1.5
  • Covered spaces: 1.5

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
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Ice Storm
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 $291$3,498
Total$2,045$24,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,114/yr
40% on housing$61,350/yr
45% on housing$54,533/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

$136This 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)

Price History

DateEventPrice
2026-04-16Listed for sale$240,000
2026-03-18Contingent$240,000
2025-12-04Pending sale$240,000
2025-02-18Listed for sale$240,000
2021-12-22Sold$155,000
2021-11-12Listing removed--
2021-09-28Listed for rent$500
2021-02-26Listing removed--
2020-09-14Listing removed$475
2020-09-01Listed for rent$475
2019-09-17Listing removed$475
2019-09-12Listed for rent$475
2019-01-14Listing removed$475
2018-12-12Listed for rent$475
2018-10-31Listing removed$475
2018-09-01Listed for rent$475

For Sale by Agent

AgentJonathon Whitelaw
BrokerageCentury 21 Galloway Realty

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