232 E Temple St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 232 E Temple St, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,186 sqft · built 1860
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Dec 1998)
Tax Bill	$2,720 (2025)
Deeds & Mortgages	Mar 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`493001 129.05-1-26`

Property Details

APN / Parcel Number

Primary APN	`493001 129.05-1-26`
Alternative APNs	`300112900500010260000000` `00000000645`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,186 sqft Living Area
1st Floor Area	1,136 sqft
2nd Floor Area	1,050 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	115 ft deep x 68 ft wide
Porch	Slab
Porch Area	84 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000000645
Street Address	232 E TEMPLE ST
City	OWEGO
State	NY
Zip	13827-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	26.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2005
Census Tract	20500

Owner

Source: Tioga County and Owego Town records · APN 493001 129.05-1-26

Assessment roll updated May 15, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	232 E TEMPLE ST, OWEGO, NY 13827-1425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 1998 · Amount on Record
Deed Sale	Dec 17, 1998 · Amount on Record
Deed Book / Page	618 / 310
Last Transfer Date	Mar 03, 2022
Transfer Doc	0000001258
Record Updated	Jun 08, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Mar 17, 2022
Property Address	232 E TEMPLE ST, OWEGO, NY 13827-1425
Document Number	2022000001258
Instrument Date	Mar 03, 2022
Instrument	20220-00001258
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	232 E TEMPLE ST, OWEGO, NY 13827-1425

Tax Assessment & Valuation

Source: Tioga County and Owego Town records · Assessment roll updated May 15, 2026 · Last verified May 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,720.00 (+92.23%)	$42,500 (-) Land $9,100 Building $33,400	$81,340 (+3.35%) Land $17,416 Building $63,924
2023		$42,500 Land $9,100 Building $33,400	$78,704 Land $16,852 Building $61,852
2019	$1,415.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Tioga County (36107C), as of October 31, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361070205002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 93 policies
Nearby Flood Policies	93 in force
Nearby Flood Claims	205 (1979–2020)
Claims Outside the SFHA	16 of 205
Most Recent Claim	Dec 2020 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 108 claims Severe Storms And Flooding, Jun 2006 · 72 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Greenlight Networks Holding Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Empire Telephone Corporation/North Penn Telephone Company.

Based on FCC filings for 262 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY5304409, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VEOLIA OF OWEGO private · serves 4,850 people
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.