138 Harding Rd, Waverly, NY 14892 Property Records

Tioga County and Barton Town property record for 138 Harding Rd, Waverly, NY 14892

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,597 sqft · built 1992
Lot Size	30 acres (1,306,800 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Dec 2025)
Tax Bill	$10,133 (2026)
Deeds & Mortgages	Dec 2025 Sale Sep 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`492089 134.00-1-38`

Property Details

APN / Parcel Number

Primary APN	`492089 134.00-1-38`
Alternative APNs	`208913400000010380000000` `00000010266`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,597 sqft Living Area
1st Floor Area	1,484 sqft
Upper Floors Area	1,113 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	1,306,800 sqft (30 acres)
Lot Width	462 ft Width
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	384 sqft
Shed	1 Shed
Canopy	360 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000010266
Street Address	138 HARDING RD
City	WAVERLY
State	NY
Zip	14892-9786
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Description	BAR CHANGE 1995 GAS LEASE 631/159
Legal Block	1
Legal Lot Number	38.000
Jurisdiction	TIOGA NY
Township / Civil Division	BARTON
Census Block Group	3
Census Block	3014
Census Tract	20702

Owner

138 Harding Rd, a rural home, is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	138 HARDING RD, WAVERLY, NY 14892-9786
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Dec 2, 2025	Warranty Deed, Transfer
Sep 16, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVY FCU
Oct 20, 2011	Deed, Transfer FIRST PRIORITY MORTGAGE
Dec 18, 2008	Deed, Transfer WELLS FARGO BANK NA
May 11, 2005	Deed, Transfer WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2025 · Amount on File
Deed Sale	Dec 2, 2025 · Amount on File
Prior Sale	Sep 16, 2024 · Amount on File
Deed Document Number	20254412
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 2, 2025
Property Address	138 HARDING RD, WAVERLY, NY 14892-9786
Document Number	202500004412
Instrument Date	Nov 19, 2025
Instrument	2025-00004412
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Sep 16, 2024
Property Address	138 HARDING RD, WAVERLY, NY 14892-9786
Document Number	202400003126
Instrument Date	Aug 14, 2024
Instrument	2024-00003126
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4209 S HICKORY HILL RD, SIOUX FALLS, SD 57103-4949

Mortgage

Document Number	202400003127
Date	Sep 16, 2024
Instrument	2024-00003127

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

October 2011: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Oct 20, 2011
Property Address	138 HARDING RD, WAVERLY, NY 14892-9786
Document Number	0000019282/0000001001
Book / Page	0000019282 / 0000001001
Instrument Date	Oct 11, 2011
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 HARDING RD, WAVERLY, NY 14892-9786
Investor	Possibly a Property Investor

Mortgage

Document Number	0192821002
Date	Oct 20, 2011
Instrument	0192821002

Lender

Name	FIRST PRIORITY MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2041

December 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 18, 2008
Property Address	138 HARDING RD, WAVERLY, NY 14892-9786
Document Number	0000016369/0000006001
Book / Page	0000016369 / 0000006001
Instrument Date	Dec 10, 2008
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	BETTY J KEENE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 HARDING RD, WAVERLY, NY 14892-9786
Investor	Possibly a Property Investor

Mortgage

Document Number	0163696002
Date	Dec 18, 2008
Instrument	0163696002

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	313 Months
Due	Jan 1, 2035

May 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	May 11, 2005
Property Address	138 HARDING RD, WAVERLY, NY 14892-9786
Document Number	0000012032/0000008001
Book / Page	0000012032 / 0000008001
Instrument Date	May 9, 2005
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	SUSAN E HARTLEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 HARDING RD, WAVERLY, NY 14892-9786

Mortgage

Document Number	0120328002
Date	May 11, 2005
Instrument	0120328002

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	272 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 138 Harding Rd was $10,133, up 2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,133.00 (+1.95%)
2025	$9,939.00 (+2.18%)	$286,000 (-) Land $46,500 Building $239,500	$508,897 (+7.65%) Land $82,740 Building $426,157
2024	$9,727.00 Homeowner's exemption	$286,000 (-) Land $46,500 Building $239,500	$472,727 (-0.83%) Land $76,859 Building $395,868
2023		$286,000 Land $46,500 Building $239,500	$476,667 Land $77,500 Building $399,167
2019	$4,079.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 138 Harding Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.

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 Policies	4 in force
Nearby Flood Claims	5 (1981–2018)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jul 2018 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2011 · 2 claims

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 138 Harding Rd 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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