1862 State Rte 434, Apalachin, NY 13732 Property Records

Tioga County and Owego Town property record for 1862 State Rte 434, Apalachin, NY 13732

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,546 sqft · built 1850
Lot Size	32.9 acres (1,433,124 sqft)
Owner	Individual Name on File
Last Sale	$86,500 (Mar 1999)
Tax Bill	$4,671 (2026)
Deeds & Mortgages	Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`493089 129.00-1-15`

Property Details

APN / Parcel Number

Primary APN	`493089 129.00-1-15`
Alternative APNs	`308912900000010150000000` `00000004270`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,546 sqft Living Area
1st Floor Area	1,380 sqft
2nd Floor Area	1,166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	1,433,124 sqft (32.9 acres)

Exterior Amenities

Porch	Slab
Porch Area	220 sqft
Shed	1 Shed
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000004270
Street Address	1862 STATE ROUTE 434
City	APALACHIN
State	NY
Zip	13732-1000
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	4
Census Block	4005
Census Tract	20401

Owner

1862 State Rte 434, a rural home, is owned and occupied by an individual who bought it in March 1999.

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

Owner of Record	Individual Name on File
Mailing Address	1862 STATE ROUTE 434, APALACHIN, NY 13732-1000
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 1999 · Amount on File
Deed Sale	Mar 31, 1999 · Amount on File
Deed Book / Page	622 / 337
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	1862 STATE ROUTE 434, APALACHIN, NY 13732-1000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19000004269
Date	Oct 24, 2019
Instrument	190-00004269

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1862 State Rte 434 was $4,671 with exemptions applied, 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	$4,671.00 (-0.09%) Homeowner's exemption Senior Citizen's exemption
2025	$4,675.00	$92,000 Land $24,200 Building $67,800	$176,077 Land $46,316 Building $129,761
2023		$92,000 Land $24,200 Building $67,800	$170,370 Land $44,815 Building $125,555
2019	$1,836.00

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

Flood

FEMA maps place 1862 State Rte 434 in Zone X, an area of minimal flood risk, though there have been 16 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	16 (1979–2011)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 6 claims Severe Storms And Flooding, Jun 2006 · 7 claims

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 1862 State Rte 434 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3