1575 Carmichael Rd, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 1575 Carmichael Rd, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,580 sqft · built 1975
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Dec 2021)
Tax Bill	$5,590 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`493089 107.00-1-41`

Property Details

APN / Parcel Number

Primary APN	`493089 107.00-1-41`
Alternative APNs	`308910700000010410000000` `00000011382`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,580 sqft Living Area
1st Floor Area	1,332 sqft
Basement Area	1,248 sqft
Finished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	46,174 sqft (1.06 acres)
Lot Dimensions	255 ft deep x 180 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	380 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000011382
Street Address	1575 CARMICHAEL RD
City	OWEGO
State	NY
Zip	13827-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	41.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2044
Census Tract	20300

Owner

Source: Tioga County and Owego 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	1575 CARMICHAEL RD, OWEGO, NY 13827-3332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Aug 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU
May 13, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 24, 2017	Deed of Trust, Mortgage · ARM VISIONS FEDERAL CREDIT UNION
Jul 24, 2017	Deed, Transfer NOT AVAILABLE, CHRIS BROWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2021 · Amount on Record
Deed Sale	Dec 27, 2021 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	20216432
Prior Transfer Date	May 6, 2021
Prior Transfer Doc	0000002361
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 27, 2021
Property Address	1575 CARMICHAEL RD, OWEGO, NY 13827-3332
Document Number	2021000006432
Instrument Date	Dec 23, 2021
Instrument	20210-00006432
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	40 INDIAN PARK RD, LEVITTOWN, PA 19057-2214

Mortgage

Document Number	21000006433
Date	Dec 27, 2021
Instrument	210-00006433

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	1575 CARMICHAEL RD, OWEGO, NY 13827-3332
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000003997
Date	Aug 20, 2021
Instrument	20210-00003997

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	May 13, 2021
Property Address	1575 CARMICHAEL RD, OWEGO, NY 13827-3332
Document Number	2021000002361
Instrument Date	May 6, 2021
Instrument	20210-00002361
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1575 CARMICHAEL RD, OWEGO, NY 13827-3332

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	1575 CARMICHAEL RD, OWEGO, NY 13827-3332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17000003074
Date	Jul 24, 2017
Instrument	170-00003074

Lender

Name	VISIONS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Aug 1, 2032

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Jul 24, 2017
Property Address	1575 CARMICHAEL RD, OWEGO, NY 13827-3332
Document Number	0000020170/0000003073
Book / Page	0000020170 / 0000003073
Instrument Date	Jul 21, 2017
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	NOT AVAILABLE, CHRIS BROWN

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	200 GLENBROOK DR, ENDICOTT, NY 13760-4316

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,590.00 (-0.07%)
2025	$5,594.00 (+155.78%)	$110,100 (-) Land $7,600 Building $102,500	$210,718 (+3.35%) Land $14,545 Building $196,173
2023		$110,100 Land $7,600 Building $102,500	$203,889 Land $14,074 Building $189,815
2019	$2,187.00

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

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 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

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Zeta Broadband.

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