Tioga County and Owego Town property record for 1396 Carmichael Rd, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,904 sqft · built 1971 |
| Lot Size | 3.86 acres (168,142 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $91,500 (Nov 1994) |
| Tax Bill | $4,195 (2026) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 493089 107.00-1-35 |
| Primary APN | 493089 107.00-1-35 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,904 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 572 sqft |
| Finished Basement | 572 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 168,142 sqft (3.86 acres) |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 511 sqft |
| Shed | 1 Shed |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000012599 |
|---|---|
| Street Address | 1396 CARMICHAEL RD |
| City | OWEGO |
| State | NY |
| Zip | 13827-3327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 35.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 20300 |
1396 Carmichael Rd is owned and occupied by two individuals who bought it in November 1994.
Source: Tioga County and Owego Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1396 CARMICHAEL RD, OWEGO, NY 13827-3327 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 1994 · Amount on File |
| Deed Sale | Nov 16, 1994 · Amount on File |
| Deed Book / Page | 563 / 124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 1396 CARMICHAEL RD, OWEGO, NY 13827-3327 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 170-00003783 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 170-00003783 |
| Name | LOANDEPOTCOM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 172 Months |
| Due | Jan 1, 2032 |
The 2026 property tax bill for 1396 Carmichael Rd was $4,195 with exemptions applied, up 0.1% from the year before.
Source: Tioga County and Owego Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tioga County |
| County Subdivision | Owego Town |
| Unified School District | Owego-Apalachin Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,195.00 (+0.12%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $4,190.00 | $97,300 Land $10,200 Building $87,100 | $186,220 Land $19,522 Building $166,698 |
| 2023 | $97,300 Land $10,200 Building $87,100 | $180,185 Land $18,889 Building $161,296 | |
| 2019 | $1,068.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1396 Carmichael Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 | 2 in force |
| Nearby Flood Claims | 2 (1979–1984) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 1984 · tidal / storm surge |
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 risk around 1396 Carmichael 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile, Zeta Broadband.
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