Tioga County and Tioga Town property record for 20 Cavataio St, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,124 sqft · built 1990 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,431 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 493600 128.00-2-28 |
| Primary APN | 493600 128.00-2-28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,124 sqft Living Area |
| 1st Floor Area | 1,172 sqft |
| 2nd Floor Area | 952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 44,867 sqft (1.03 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Patio |
| Porch Area | 288 sqft |
| Canopy | 204 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000002023 |
|---|---|
| Street Address | 20 CAVATAIO ST |
| City | OWEGO |
| State | NY |
| Zip | 13827-1071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 2 |
| Legal Lot Number | 28.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | TIOGA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 20600 |
20 Cavataio St is owned and occupied by two individuals.
Source: Tioga County and Tioga Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CAVATAIO ST, OWEGO, NY 13827-1071 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 20 Cavataio St was $8,431 with exemptions applied, up 0.3% from the year before.
Source: Tioga County and Tioga Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tioga County |
| County Subdivision | Tioga Town |
| Unified School District | Owego-Apalachin Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,431.00 (+0.31%) Homeowner's exemption Veteran's exemption | ||
| 2025 | $8,405.00 | $14,700 Land $500 Building $14,200 | $341,860 Land $11,628 Building $330,232 |
| 2023 | $14,700 Land $500 Building $14,200 | $326,667 Land $11,111 Building $315,556 | |
| 2019 | $2,890.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Cavataio St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.
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 Claims | 1 (2006) |
| Most Recent Claim | Jun 2006 · Severe Storms And Flooding |
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 risk around 20 Cavataio St 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.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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