271 Front St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 271 Front St, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,328 sqft · built 1937
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,270 (Dec 2025)
Tax Bill	$9,540 (2026)
Deeds & Mortgages	Jan 2008 Mortgage Jul 2006 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`493001 128.08-5-20.1`

Property Details

APN / Parcel Number

Primary APN	`493001 128.08-5-20.1`
Alternative APNs	`300112800800050200010000` `00000001043`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,328 sqft Living Area
1st Floor Area	1,664 sqft
2nd Floor Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	203 ft deep x 88.2 ft wide
Garage Type	Mixed
Garage Area	721 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	500 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000001043
Street Address	271 FRONT ST
City	OWEGO
State	NY
Zip	13827-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Description	PARTIAL
Legal Block	5
Legal Lot Number	20.001
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

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	271 FRONT ST, OWEGO, NY 13827-1601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2008	Deed of Trust, Mortgage COUNTRYWIDE BANK
Jul 5, 2006	Deed of Trust, Mortgage TIOGA STATE BANK
Dec 19, 2025	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP
Jul 27, 2018	Warranty Deed, Transfer
May 2, 2013	Deed, Transfer COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	20254744
Prior Transfer Date	Aug 26, 2002
Prior Transfer Doc	0702000134
Record Updated	Oct 29, 2026

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	271 FRONT ST, OWEGO, NY 13827-1601
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152378001
Date	Jan 4, 2008
Instrument	0152378001

Lender

Name	COUNTRYWIDE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	312 Months
Due	Jan 1, 2034

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	271 FRONT ST, OWEGO, NY 13827-1601
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133964001
Date	Jul 5, 2006
Instrument	0133964001

Lender

Name	TIOGA STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	42 Months
Due	Jan 1, 2010

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 19, 2025
Property Address	271 FRONT ST, OWEGO, NY 13827-1601
Document Number	202500004744
Instrument Date	Dec 12, 2025
Instrument	2025-00004744
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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

Mortgage

Document Number	202500004745
Date	Dec 19, 2025
Instrument	2025-00004745

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jul 27, 2018
Property Address	271 FRONT ST, OWEGO, NY 13827-1601
Document Number	18000003187
Instrument Date	Jul 24, 2018
Instrument	180-00003187
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
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	271 FRONT ST, OWEGO, NY 13827-1601

May 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	May 2, 2013
Property Address	271 FRONT ST, OWEGO, NY 13827-1601
Document Number	0000020893/0000008001
Book / Page	0000020893 / 0000008001
Instrument Date	May 1, 2013
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	ADAM SCHUMACHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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	271 FRONT ST, OWEGO, NY 13827-1601

Mortgage

Document Number	0208938002
Date	May 2, 2013
Instrument	0208938002

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	368 Months
Due	Jan 1, 2044

Tax Assessment & Valuation

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	$9,540.00 (+5.37%) Homeowner's exemption
2025	$9,054.00 (+0.78%)	$141,438 (-) Land $28,300 Building $113,138	$270,695 (+2.39%) Land $54,163 Building $216,532
2024	$8,984.00 (+106.62%) Homeowner's exemption	$141,438 (-) Land $28,300 Building $113,138	$264,370 (+0.93%) Land $52,897 Building $211,473
2023		$141,438 Land $28,300 Building $113,138	$261,922 Land $52,407 Building $209,515
2019	$4,348.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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 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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