Welcome! Good to have another New Yorker around!
Your car is AWD. You're correct in your deduction--the FWD light means you have AWD. I'm guessing that the fuse is simply in the fusebox to lock the differential into FWD mode. I'm not sure which fuse it is, but someone else will be able to hop in there and help me out.
Congrats on the purchase, welcome to the community.
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