14 Gail Dr, Owego, NY 13827 Property Records

Tioga County and Tioga Town property record for 14 Gail Dr, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,232 sqft · built 1958
Lot Size	0.309 acres (13,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Mar 2018)
Tax Bill	$4,636 (2026)
Deeds & Mortgages	Mar 2018 Mortgage Aug 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493600 128.09-1-28`

Property Details

APN / Parcel Number

Primary APN	`493600 128.09-1-28`
Alternative APNs	`360012800900010280000000` `00000000509`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	13,500 sqft (0.309 acres)
Lot Dimensions	150 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000509
Street Address	14 GAIL DR
City	OWEGO
State	NY
Zip	13827-1032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	28.000
Jurisdiction	TIOGA NY
Township / Civil Division	TIOGA
Census Block Group	2
Census Block	2016
Census Tract	20600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	14 GAIL DR, OWEGO, NY 13827-1032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2018	Deed of Trust, Mortgage CHEMUNG CANAL TRUST CO
Aug 4, 2017	Deed, Transfer NOT AVAILABLE, ADAM SCHUMACHER
Jun 22, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2018 · Amount on Record
Deed Sale	Mar 12, 2018 · Amount on Record
Prior Sale	Aug 4, 2017 · Amount on Record
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	14 GAIL DR, OWEGO, NY 13827-1032
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180000099
Date	Mar 12, 2018
Instrument	2018-0000099

Lender

Name	CHEMUNG CANAL TRUST CO
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Aug 4, 2017
Property Address	14 GAIL DR, OWEGO, NY 13827-1032
Document Number	0000020170/0000003330
Book / Page	0000020170 / 0000003330
Instrument Date	Jul 31, 2017
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	NOT AVAILABLE, ADAM SCHUMACHER

Transaction

Amount	Amount Recorded
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	21 SHERWOOD BLVD, OWEGO, NY 13827-1033

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 22, 2017
Property Address	14 GAIL DR, OWEGO, NY 13827-1032
Document Number	0000020170/0000002572
Book / Page	0000020170 / 0000002572
Instrument Date	Apr 20, 2017
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14405 WALTERS RD STE 200, 200, HOUSTON, TX 77014-1345

Tax Assessment & Valuation

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	Owego-Apalachin Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,636.00 (+0.32%)
2025	$4,621.00 (+172.95%)	$7,900 (-) Land $400 Building $7,500	$183,721 (+4.65%) Land $9,302 Building $174,419
2023		$7,900 Land $400 Building $7,500	$175,556 Land $8,889 Building $166,667
2019	$1,693.00

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

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MAPLE SHADE TRAILER PARK #1 private · serves 32 people · EPA ID NY5301417
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Haefele Connect.

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