Tioga County and Owego Town property record for 21 Front St, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,186 sqft · built 1921 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $193,617 (Jan 2025) |
| Tax Bill | $5,934 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 493001 128.12-2-38 |
| Primary APN | 493001 128.12-2-38 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,186 sqft Living Area |
| 1st Floor Area | 1,106 sqft |
| 2nd Floor Area | 1,080 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 104 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00000000541 |
|---|---|
| Street Address | 21 FRONT ST |
| City | OWEGO |
| State | NY |
| Zip | 13827-1516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 2 |
| Legal Lot Number | 38.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 20500 |
Source: Tioga County and Owego Town assessment roll, as of May 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 30314 PONGO WAY, WESLEY CHAPEL, FL 33545-1346 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Nov 15, 2022 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Dec 20, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage CALIBER HOME LOANS INC |
| Aug 2, 2021 | Quit Claim Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 27, 2025 · Amount on Record |
| Deed Sale | Jan 27, 2025 · Amount on Record |
| Prior Sale | Nov 15, 2022 · Amount on Record |
| Deed Document Number | 2025329 |
| Prior Transfer Date | Jul 23, 2021 |
| Prior Transfer Doc | 0000003616 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Nov 15, 2022 |
| Property Address | 21 FRONT ST, OWEGO, NY 13827-1516 |
| Document Number | 2022000005089 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 20220-00005089 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1251 S 50TH ST, PHILADELPHIA, PA 19143-5101 |
| Document Number | 22000005090 |
|---|---|
| Date | Nov 15, 2022 |
| Instrument | 220-00005090 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Dec 20, 2021 |
| Property Address | 21 FRONT ST, OWEGO, NY 13827-1516 |
| Document Number | 2021000006326 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 20210-00006326 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4807 E PACIFIC COAST HWY APT 404, 404, LONG BEACH, CA 90804-3267 |
| Document Number | 21000006327 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 210-00006327 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Aug 2, 2021 |
| Property Address | 21 FRONT ST, OWEGO, NY 13827-1516 |
| Document Number | 2021000003616 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 20210-00003616 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 FRONT ST, OWEGO, NY 13827-1516 |
Source: Tioga County and Owego Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tioga County |
| County Subdivision | Owego Town |
| Municipality | Owego Village |
| Unified School District | Owego-Apalachin Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,934.00 (+137.65%) | $92,700 (-) Land $15,900 Building $76,800 | $177,416 (+3.35%) Land $30,431 Building $146,985 |
| 2023 | $92,700 Land $15,900 Building $76,800 | $171,667 Land $29,445 Building $142,222 | |
| 2019 | $2,497.00 |
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.
Source: FEMA National Flood Hazard Layer, effective October 31, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 95 policies |
| Nearby Flood Policies | 95 in force |
| Nearby Flood Claims | 277 (1979–2012) |
| Claims Outside the SFHA | 19 of 277 |
| Most Recent Claim | Jul 2012 · rainfall accumulation |
| Claims by Event |
|
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.
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 | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA OF OWEGO private · serves 4,850 people · EPA ID NY5304409 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Holding Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Empire Telephone Corporation/North Penn Telephone Company Fiber | 1,000 / 100 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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