1835 Carmichael Rd, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 1835 Carmichael Rd, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,036 sqft · built 1986
Lot Size	4.2 acres (182,952 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (May 2022)
Tax Bill	$12,057 (2026)
Deeds & Mortgages	Jan 2023 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493089 107.00-1-25.4`

Property Details

APN / Parcel Number

Primary APN	`493089 107.00-1-25.4`
Alternative APNs	`308910700000010250040000` `00000012973`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,036 sqft Living Area
1st Floor Area	1,736 sqft
2nd Floor Area	1,300 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	182,952 sqft (4.2 acres)
Lot Dimensions	490 ft deep x 375 ft wide
Garage Type	Mixed
Garage Area	1,184 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Above-Ground Pool
Porch	Patio
Porch Area	1,420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000012973
Street Address	1835 CARMICHAEL RD
City	OWEGO
State	NY
Zip	13827-3338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	25.004
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2044
Census Tract	20300

Owner

1835 Carmichael Rd is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1835 CARMICHAEL RD, OWEGO, NY 13827-3338
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
May 24, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Aug 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2022 · Amount on File
Deed Sale	May 24, 2022 · Amount on File
Prior Sale	Nov 5, 2008 · Amount on File
Deed Document Number	20222377
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	1835 CARMICHAEL RD, OWEGO, NY 13827-3338
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000000309
Date	Jan 26, 2023
Instrument	20230-00000309

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	May 24, 2022
Property Address	1835 CARMICHAEL RD, OWEGO, NY 13827-3338
Document Number	2022000002377
Instrument Date	May 20, 2022
Instrument	20220-00002377
Transaction Type	Transfer
Record Updated	Jun 14, 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
Relationship	Joint Tenants
Address	3560 SARAH DR, WANTAGH, NY 11793-1630

Mortgage

Document Number	22000002378
Date	May 24, 2022
Instrument	220-00002378

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	1835 CARMICHAEL RD, OWEGO, NY 13827-3338
Transaction Type	Mortgage
Record Updated	Sep 1, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020000002901
Date	Aug 7, 2020
Instrument	20200-00002901

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 1835 Carmichael Rd was $12,057, down 0.1% from the year before.

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	$12,057.00 (-0.07%)
2025	$12,066.00	$237,455 Land $10,700 Building $226,755	$454,459 Land $20,478 Building $433,981
2023		$237,455 Land $10,700 Building $226,755	$439,731 Land $19,815 Building $419,916
2019	$3,734.00

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

FEMA maps place 1835 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

Wildfire risk around 1835 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.

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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