265 Harding Rd, Waverly, NY 14892 Property Records

Tioga County and Barton Town property record for 265 Harding Rd, Waverly, NY 14892

Property Summary

Property Type	Rural Home
Details	2 bd · 1.5 ba · 1,226 sqft · built 2010
Lot Size	15 acres (653,400 sqft)
Owner	Individual Name on File
Tax Bill	$5,217 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`492089 134.00-1-39.22`

Property Details

APN / Parcel Number

Primary APN	`492089 134.00-1-39.22`
Alternative APNs	`208913400000010390220000` `00000001933`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,226 sqft Living Area
1st Floor Area	896 sqft
Upper Floors Area	330 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	653,400 sqft (15 acres)
Lot Width	415 ft Width
Garage Type	Detached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000001933
Street Address	265 HARDING RD
City	WAVERLY
State	NY
Zip	14892-9217
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Block	1
Legal Lot Number	39.022
Jurisdiction	TIOGA NY
Township / Civil Division	BARTON
Census Block Group	3
Census Block	3001
Census Tract	20702

Owner

265 Harding Rd, a rural home, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	265 HARDING RD, WAVERLY, NY 14892-9217
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 6, 2026	Deed of Trust, Mortgage PS BANK
Oct 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Recording Date	Jul 6, 2026
Property Address	265 HARDING RD, WAVERLY, NY 14892-9217
Document Number	0000002385
Instrument Date	Jun 26, 2026
Instrument	20262385
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 HARDING RD, WAVERLY, NY 14892-9217

Mortgage

Document Number	0000002385,
Date	Jul 6, 2026
Instrument	20262385

Lender

Name	PS BANK

Agreement

Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.53%
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	265 HARDING RD, WAVERLY, NY 14892-9217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020000004118
Date	Oct 19, 2020
Instrument	20200-00004118

Lender

Name	PS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 265 Harding Rd was $5,217 with exemptions applied, up 2.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,217.00 (+2.25%) Homeowner's exemption Senior Citizen's exemption
2025	$5,102.00	$169,700 Land $31,500 Building $138,200	$301,957 Land $56,050 Building $245,907
2023		$169,700 Land $31,500 Building $138,200	$282,833 Land $52,500 Building $230,333
2019	$2,420.00

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

Flood

FEMA maps place 265 Harding Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.

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 Policies	4 in force
Nearby Flood Claims	5 (1981–2018)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jul 2018 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2011 · 2 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 265 Harding Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Haefele Connect Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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