239 Front St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 239 Front St, Owego, NY 13827

Property Summary

Property Type	Triplex
Details	5 bd · 4 ba · 4,716 sqft · built 1809
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Jul 2017)
Tax Bill	$6,856 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Jul 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`493001 128.08-5-25`

Property Details

APN / Parcel Number

Primary APN	`493001 128.08-5-25`
Alternative APNs	`300112800800050250000000` `00000000483`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,716 sqft Total Area
1st Floor Area	2,974 sqft
2nd Floor Area	1,742 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1809
Effective Year Built	Effective 1809
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	105 ft deep x 78 ft wide
Porch	Slab
Porch Area	241 sqft
Patio Area	952 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000000483
Street Address	239 FRONT ST
City	OWEGO
State	NY
Zip	13827-1649
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	ZONE
Legal Block	5
Legal Lot Number	25.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2010
Census Tract	20500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Owego Central Historic District (Boundary Increase) listed 1998 · 286 contributing resources · NRIS 98000353

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

239 Front St, a triplex, is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	239 FRONT ST, OWEGO, NY 13827-1649
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
Jul 28, 2017	Deed of Trust, Mortgage TIOGA STATE BANK
Jul 28, 2017	Deed, Transfer NOT AVAILABLE, STEPHEN B. ATKINSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2017 · Amount on File
Deed Sale	Jul 28, 2017 · Amount on File
Deed Book / Page	20170 / 3172
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	239 FRONT ST, OWEGO, NY 13827-1649
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17000003173
Date	Jul 28, 2017
Instrument	170-00003173

Lender

Name	TIOGA STATE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	234 Months
Due	Jan 1, 2037

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Jul 28, 2017
Property Address	239 FRONT ST, OWEGO, NY 13827-1649
Document Number	0000020170/0000003172
Book / Page	0000020170 / 0000003172
Instrument Date	Jul 25, 2017
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	NOT AVAILABLE, STEPHEN B. ATKINSON

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	772 HILTON RD, APALACHIN, NY 13732-1704

Tax Assessment & Valuation

The 2026 property tax bill for 239 Front St was $6,856, up 1% from the year before.

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
Municipality	Owego Village
Unified School District	Owego-Apalachin Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,856.00 (+0.96%)
2025	$6,791.00	$106,100 Land $15,800 Building $90,300	$203,062 Land $30,239 Building $172,823
2023		$106,100 Land $15,800 Building $90,300	$196,481 Land $29,259 Building $167,222
2019	$4,190.00

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

Flood

FEMA maps place 239 Front St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

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 239 Front St is low, with less than 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 97% of the US · lower than 96% 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Empire Long Distance.

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