Delinquent Property Tax Installment Contract Agreements
Oswego County offers installment contract agreements to assist individuals with delinquent property taxes. Appointments are not required, but may be made by calling 315-349-8393.
The Oswego County Treasurer's Office only collects payment for DELINQUENT PROPERTY TAXES. Delinquent September school, city and village tax bills are automatically rolled to the next January Town/County Property Tax bill.
If you would like to enter in an installment contract for PRIOR Tax Bills, you must bring in proof that you have paid your CURRENT JANUARY tax bills from your local municipality (Town, Village, City.) All county and city taxes will not be returned to the County Treasurer's Office until the end of April, after they become delinquent.
FORECLOSURE ON PROPERTIES WITH DELINQUENT PROPERTY TAXES : Taxes must be paid or installment agreements entered into prior to MAY 15TH EACH YEAR.
$300 Title Search fee added at that time. Unpaid taxes as of September, will be presented for Petition of Foreclosure. Payments against foreclosed property may not be made ONLINE.
- The agreement must include all parcels you own and/or co-own that have delinquent property taxes owing.
- The agreement requires a 25% down payment of the outstanding balance (principal, interest, fees) of all parcels to be considered in the Agreement. This 25% down payment must be paid in CASH or CERTIFIED FUNDS ONLY and down payment must be made at time of desire to enter into agreement.
- The balance due after 25% down payment covers a two-year period with a per annum interest rate of 12 %. The balance due plus applicable interest is divided into four (4)payments. The four payments are scheduled in equal amounts due every six months until the end of the agreement.
- During the term of the agreement, all payments of the agreement must be made in full and on time and all new tax bills and all tax bills that were not addressed in the agreement, must be paid on time to the appropriate tax collecting officers (city, town, village, school).
- The entire agreement may be paid in full at any time without pre-payment penalty. Agreement payments may be made any time during the month which they are due. PARTIAL PAYMENTS ARE NOT ALLOWED AND CREDIT CARD PAYMENTS ARE NOT ACCEPTED FOR AGREEMENTS.
- A property owner is NOT eligible to enter into an agreement if: the property owner owns or co-owns any parcels with delinquent taxes owing that are not eligible to be made part of an agreement; the property owner owns or co-owns any parcels that were part of an agreement that defaulted within the past three years; the property owner defaulted on an agreement within the past three years and/or the property owner and/or co-owner of any parcels that were foreclosed on within the past three years.
- If the signed contract is not returned, the deposit is applied to the newest taxes first. The potential for immediate foreclosure exists and all agreements and understandings related to the contract and deposit become null and void. IT IS THE PROPERTY OWNER’S RESPONSIBILITY TO MAKE SURE MAILED CONTRACTS ARE SIGNED, NOTARIZED AND RETURNED TO THE COUNTY TREASURER.
- The property owner contacts the Oswego County Treasurer's office at 315-349-8393 or via e-mail at email@example.com to obtain outstanding balance on all parcels they wish to have considered in an agreement and to receive the initial 25% down payment requirement. The amount provided is usually good until the end of the month the inquiry was made. Interest increases the first of each month.
- The property owner submits payment to the Oswego County Treasurer's office of the 25% down payment and receives a receipt for same. A draft estimate of the agreement is provided to the property tax owner at this time. The down payment may be made in person with cash, or a certified funds check may be mailed in with a notation that it is for an agreement. If a certified fund check is mailed in, please make sure to include parcel information (tax map number, address of property, owners of property, etc.) to assure funds are applied to the correct owner and property.
- An agreement is prepared for the property owner and mailed back to the property owner. The property owner has 15 days from receipt of the agreement to sign the agreement in front of a Notary and then return the signed, notarized agreement to the Oswego County Treasurer's office either in person or via postal mail. The office address is: Oswego County Treasurer - Agreements, 46 E. Bridge St., Oswego, NY 13126.
- Once the property owner's signed agreement is received by the Oswego County Treasurer's office, it will be reviewed for compliance. If approved, the county will sign the agreement and return a copy to the property owner for their records. The first page of the returned agreement will consist of the payment coupons showing the amount and dates of installment payments required.
- Payments of the agreement may be made in person or a check may be mailed. Mailed payments should be by check, not cash, and the payment receipt date will be the postmark date of the mailing.