13 Root Ln, Owego, NY 13827 Property Records

Tioga County and Tioga Town property record for 13 Root Ln, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,272 sqft · built 1977
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on File
Last Sale	$79,900 (Nov 2006)
Tax Bill	$3,573 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`493600 117.00-1-60`

Property Details

APN / Parcel Number

Primary APN	`493600 117.00-1-60`
Alternative APNs	`360011700000010600000000` `00000001209`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	44,431 sqft (1.02 acres)
Lot Width	221 ft Width
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000001209
Street Address	13 ROOT LN
City	OWEGO
State	NY
Zip	13827-2736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	60.000
Jurisdiction	TIOGA NY
Township / Civil Division	TIOGA
Census Block Group	2
Census Block	2008
Census Tract	20600

Owner

13 Root Ln is owned and occupied by an individual who bought it in November 2006.

Source: Tioga County and Tioga Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	13 ROOT LN, OWEGO, NY 13827-2736
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage VISIONS FEDERAL CREDIT UNION
May 29, 2026	Deed of Trust, Mortgage VISIONS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2006 · Amount on File
Deed Sale	Nov 7, 2006 · Amount on File
Deed Book / Page	13828 / 6001
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Recording Date	Aug 28, 2026
Property Address	13 ROOT LN, OWEGO, NY 13827-2736
Document Number	0000003098
Instrument Date	Aug 13, 2026
Instrument	20263098
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 ROOT LN, OWEGO, NY 13827-2736

Mortgage

Document Number	0000003098,
Date	Aug 28, 2026
Instrument	20263098

Lender

Name	VISIONS FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Recording Date	May 29, 2026
Property Address	13 ROOT LN, OWEGO, NY 13827-2736
Document Number	0000001900
Instrument Date	May 18, 2026
Instrument	20261900
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 ROOT LN, OWEGO, NY 13827-2736

Mortgage

Document Number	0000001900,
Date	May 29, 2026
Instrument	20261900

Lender

Name	VISIONS FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 13 Root Ln was $3,573 with a homeowner's exemption, up 0.4% from the year before.

Source: Tioga County and Tioga Town assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Tioga County
County Subdivision	Tioga Town
Unified School District	Tioga Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,573.00 (+0.45%) Homeowner's exemption
2025	$3,557.00	$8,400 Land $700 Building $7,700	$195,349 Land $16,279 Building $179,070
2023		$8,400 Land $700 Building $7,700	$186,667 Land $15,556 Building $171,111
2019	$1,800.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 13 Root Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

Source: FEMA National Flood Hazard Layer, effective October 31, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2006)
Most Recent Claim	Jun 2006 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 13 Root Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Greenlight Networks.

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