Tioga County and Owego Town property record for 1399 Carmichael Rd, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,326 sqft · built 2016 |
| Lot Size | 0.551 acres (24,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,473 (2026) |
| Deeds & Mortgages | May 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 493089 107.00-1-36 |
| Primary APN | 493089 107.00-1-36 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 24,000 sqft (0.551 acres) |
| Lot Dimensions | 200 ft deep x 120 ft wide |
| Porch | Slab |
| Porch Area | 736 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000012089 |
|---|---|
| Street Address | 1399 CARMICHAEL RD |
| City | OWEGO |
| State | NY |
| Zip | 13827-3328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 36.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 20300 |
1399 Carmichael Rd is owned and occupied by two individuals who acquired it in June 2016.
Source: Tioga County and Owego Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1399 CARMICHAEL RD, OWEGO, NY 13827-3328 |
| 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 Transfer Date | Jun 30, 2016 |
| Transfer Doc | 0000020160/000000286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 1399 CARMICHAEL RD, OWEGO, NY 13827-3328 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020000001861 |
|---|---|
| Date | May 29, 2020 |
| Instrument | 20200-00001861 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2026 property tax bill for 1399 Carmichael Rd was $3,473 with a homeowner's exemption, down 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 | $3,473.00 (-0.06%) Homeowner's exemption | ||
| 2025 | $3,475.00 | $68,400 Land $4,100 Building $64,300 | $130,909 Land $7,847 Building $123,062 |
| 2023 | $68,400 Land $4,100 Building $64,300 | $126,667 Land $7,593 Building $119,074 | |
| 2019 | $1,358.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1399 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 1399 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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