2 Clover Rd, Apalachin, NY 13732 Property Records

Tioga County and Owego Town property record for 2 Clover Rd, Apalachin, NY 13732

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,822 sqft · built 1975
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Tax Bill	$5,059 (2026)
Deeds & Mortgages	May 2021 Refinance Mar 2007 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493089 153.09-3-8`

Property Details

APN / Parcel Number

Primary APN	`493089 153.09-3-8`
Alternative APNs	`308915300900030080000000` `00000004893`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,822 sqft Living Area
1st Floor Area	1,276 sqft
Basement Area	546 sqft
Finished Basement	546 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	16,553 sqft (0.38 acres)
Lot Dimensions	171 ft deep x 97.3 ft wide
Garage Type	Basement

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	288 sqft
Porch	Slab
Porch Area	452 sqft
Patio Area	308 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000004893
Street Address	2 CLOVER RD
City	APALACHIN
State	NY
Zip	13732-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	3
Legal Lot Number	8.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	3
Census Block	3030
Census Tract	20401

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2 CLOVER RD, APALACHIN, NY 13732-2552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Mar 30, 2007	Deed of Trust, Mortgage PARTNERS TRUST BANK
Jan 10, 2007	Intrafamily Transfer, Transfer RICHARD MILLER

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 29, 2006
Transfer Doc	0000014030/000000900
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	2 CLOVER RD, APALACHIN, NY 13732-2552
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000002477
Date	May 19, 2021
Instrument	20210-00002477

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	2 CLOVER RD, APALACHIN, NY 13732-2552
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0143074001
Date	Mar 30, 2007
Instrument	0143074001

Lender

Name	PARTNERS TRUST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	298 Months
Due	Jan 1, 2032

January 2007: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TIOGA NY
Recording Date	Jan 10, 2007
Property Address	2 CLOVER RD, APALACHIN, NY 13732-2552
Document Number	0000014030/0000009001
Book / Page	0000014030 / 0000009001
Instrument Date	Dec 29, 2006
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	RICHARD MILLER

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 CLOVER RD, APALACHIN, NY 13732-2552

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	$5,059.00 (-0.32%) Homeowner's exemption
2025	$5,075.00 (+156.31%)	$100,200 (-) Land $8,000 Building $92,200	$191,770 (+3.35%) Land $15,311 Building $176,459
2023		$100,200 Land $8,000 Building $92,200	$185,556 Land $14,815 Building $170,741
2019	$1,980.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	118 (1979–2011)
Claims Outside the SFHA	35 of 118
Most Recent Claim	Sep 2011 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 50 claims Severe Storms And Flooding, Jun 2006 · 50 claims Tropical Depression Ivan, Sep 2004 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	OWEGO WD #3 serves 2,150 people · EPA ID NY5305671
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100

Cell Coverage

4G LTE only, no 5G reported

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