25 Gail Dr, Owego, NY 13827 Property Records

Tioga County and Tioga Town property record for 25 Gail Dr, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,400 sqft · built 1958
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$67,000 (May 2001)
Tax Bill	$4,988 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`493600 128.09-1-19`

Property Details

APN / Parcel Number

Primary APN	`493600 128.09-1-19`
Alternative APNs	`360012800900010190000000` `00000000101`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	115 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	616 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000101
Street Address	25 GAIL DR
City	OWEGO
State	NY
Zip	13827-1090
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Description	DEED DATE 05/01/01
Legal Block	1
Legal Lot Number	19.000
Jurisdiction	TIOGA NY
Township / Civil Division	TIOGA
Census Block Group	2
Census Block	2007
Census Tract	20600

Owner

Source: Tioga County and Tioga Town records, as of October 20, 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 Record
Mailing Address	25 GAIL DR, OWEGO, NY 13827-1090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage GHS FCU
Feb 1, 2022	Warranty Deed, Transfer · Stand-Alone Refinance GHS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2001 · Amount on Record
Deed Sale	May 1, 2001 · Amount on Record
Deed Book / Page	668 / 4
Last Transfer Date	Jan 26, 2022
Transfer Doc	2022000000542
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	25 GAIL DR, OWEGO, NY 13827-1090
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500004543
Date	Dec 10, 2025
Instrument	2025-00004543

Lender

Name	GHS FCU
Type	Credit Union

Agreement

Amount	Amount Recorded

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Feb 1, 2022
Property Address	25 GAIL DR, OWEGO, NY 13827-1090
Document Number	2022000000542
Instrument Date	Jan 26, 2022
Instrument	20220-00000542
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 GAIL DR, OWEGO, NY 13827-1090

Mortgage

Document Number	2022000000543
Date	Feb 1, 2022
Instrument	20220-00000543

Lender

Name	GHS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

Source: Tioga County and Tioga Town assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Tioga County
County Subdivision	Tioga Town
Unified School District	Owego-Apalachin Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,988.00 (+0.32%) Homeowner's exemption
2025	$4,972.00 (+173.04%)	$8,500 (-) Land $400 Building $8,100	$197,674 (+4.65%) Land $9,302 Building $188,372
2023		$8,500 Land $400 Building $8,100	$188,889 Land $8,889 Building $180,000
2019	$1,821.00

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.

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
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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MAPLE SHADE TRAILER PARK #1 private · serves 32 people · EPA ID NY5301417
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Haefele Connect.

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