1927 Carmichael Rd, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 1927 Carmichael Rd, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,698 sqft · built 1990
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Sep 2017)
Tax Bill	$8,868 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493089 107.00-1-25.5`

Property Details

APN / Parcel Number

Primary APN	`493089 107.00-1-25.5`
Alternative APNs	`308910700000010250050000` `00000012998`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,698 sqft Living Area
1st Floor Area	1,390 sqft
Upper Floors Area	1,308 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	78,408 sqft (1.8 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces
Canopy	305 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000012998
Street Address	1927 CARMICHAEL RD
City	OWEGO
State	NY
Zip	13827-3340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	25.005
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2044
Census Tract	20300

Owner

1927 Carmichael Rd is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1927 CARMICHAEL RD, OWEGO, NY 13827-3340
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
Oct 27, 2025	Deed of Trust, Mortgage · Commercial Mortgage WAYNE BANK
Sep 19, 2017	Deed of Trust, Mortgage · FHA Mortgage NBKC BANK
Sep 19, 2017	Deed, Transfer NOT AVAILABLE, JON SARRA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2017 · Amount on File
Deed Sale	Sep 19, 2017 · Amount on File
Deed Book / Page	20170 / 4004
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	1927 CARMICHAEL RD, OWEGO, NY 13827-3340
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500003919
Date	Oct 27, 2025
Instrument	2025-00003919

Lender

Name	WAYNE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	1927 CARMICHAEL RD, OWEGO, NY 13827-3340
Transaction Type	Mortgage
Record Updated	Oct 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 170-00004005
Date	Sep 19, 2017
Instrument	170-00004005

Lender

Name	NBKC BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	172 Months
Due	Jan 1, 2032

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Sep 19, 2017
Property Address	1927 CARMICHAEL RD, OWEGO, NY 13827-3340
Document Number	0000020170/0000004004
Book / Page	0000020170 / 0000004004
Instrument Date	Sep 8, 2017
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	NOT AVAILABLE, JON SARRA

Transaction

Amount	Amount 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
Address	1408 E BEECHER HILL RD, OWEGO, NY 13827-3807

Tax Assessment & Valuation

The 2026 property tax bill for 1927 Carmichael Rd was $8,868 with exemptions applied.

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	$8,868.00 (-0.03%) Disabled Person's exemption Veteran's exemption
2025	$8,871.00	$183,900 Land $19,800 Building $164,100	$351,962 Land $37,895 Building $314,067
2023		$183,900 Land $19,800 Building $164,100	$340,556 Land $36,667 Building $303,889
2019	$3,150.00

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

Flood

FEMA maps place 1927 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 1927 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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