Tioga County and Owego Town property record for 286 Gary Dr, Owego, NY 13827 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,093 sqft · built 1988 |
| Lot Size | 5.02 acres (218,671 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,000 (Oct 2025) |
| Tax Bill | $11,647 (2025) |
| Deeds & Mortgages | Jan 2022 Refinance Dec 2011 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 493089 119.00-2-18.34 |
| Primary APN | 493089 119.00-2-18.34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,093 sqft Living Area |
| 1st Floor Area | 1,848 sqft |
| 2nd Floor Area | 1,245 sqft |
| Basement Area | 874 sqft |
| Finished Basement | 874 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 218,671 sqft (5.02 acres) |
| Lot Depth | 825 ft Depth |
| Garage Type | Attached |
| Garage Area | 1,248 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 553 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000013245 |
|---|---|
| Street Address | 286 GARY DR |
| City | OWEGO |
| State | NY |
| Zip | 13827-5604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 18.034 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 20300 |
Source: Tioga County and Owego Town records · APN 493089 119.00-2-18.34
Assessment roll updated May 15, 2026 · Last verified July 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 | 1 ELY PARK BLVD, 57-5, BINGHAMTON, NY 13905-1446 |
| Owner Type | Individual |
| Vesting | Married Person |
| Date | Document |
|---|---|
| Jan 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Dec 06, 2011 | Deed of Trust, Mortgage QUICKEN LOANS INC |
| May 17, 2012 | Deed of Trust, Mortgage QUICKEN LOANS INC |
| Oct 29, 2025 | Warranty Deed, Transfer HOMESTEAD FUNDING CORP |
| Apr 05, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage PREMIUM MORTGAGE CO |
| Nov 04, 2008 | Deed, Transfer NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 29, 2025 · Amount on Record |
| Deed Sale | Oct 29, 2025 · Amount on Record |
| Prior Sale | Apr 05, 2022 · Amount on Record |
| Deed Document Number | 20253970 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 286 GARY DR, OWEGO, NY 13827-5604 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2022000000443 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 20220-00000443 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 286 GARY DR, OWEGO, NY 13827-5604 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0194125001 |
|---|---|
| Date | Dec 06, 2011 |
| Instrument | 0194125001 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 349 Months |
| Due | Jan 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 286 GARY DR, OWEGO, NY 13827-5604 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0198794001 |
|---|---|
| Date | May 17, 2012 |
| Instrument | 0198794001 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 356 Months |
| Due | Jan 01, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Oct 29, 2025 |
| Property Address | 286 GARY DR, OWEGO, NY 13827-5604 |
| Document Number | 202500003970 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 2025-00003970 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 ELY PARK BLVD APT 57-5, 57-5, BINGHAMTON, NY 13905-1446 |
| Document Number | 202500003971 |
|---|---|
| Date | Oct 29, 2025 |
| Instrument | 2025-00003971 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Apr 05, 2022 |
| Property Address | 286 GARY DR, OWEGO, NY 13827-5604 |
| Document Number | 2022000001538 |
| Instrument Date | Mar 29, 2022 |
| Instrument | 20220-00001538 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3158 COMFORT HILL RD, WELLSBURG, NY 14894-9762 |
| Document Number | 22000001539 |
|---|---|
| Date | Apr 05, 2022 |
| Instrument | 220-00001539 |
| Name | PREMIUM MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Nov 04, 2008 |
| Property Address | 286 GARY DR, OWEGO, NY 13827-5604 |
| Document Number | 0000016253/0000005001 |
| Book / Page | 0000016253 / 0000005001 |
| Instrument Date | Oct 31, 2008 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | NICHOLAS SCARANTINO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 286 GARY DR, OWEGO, NY 13827-5604 |
| Document Number | 0162535002 |
|---|---|
| Date | Nov 04, 2008 |
| Instrument | 0162535002 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 302 Months |
| Due | Jan 01, 2034 |
Source: Tioga County and Owego Town records · Assessment roll updated May 15, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tioga County |
| County Subdivision | Owego Town |
| Unified School District | Owego-Apalachin Central School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,647.00 (+0.94%) | $229,208 (-) Land $11,200 Building $218,008 | $438,676 (+2.39%) Land $21,435 Building $417,241 |
| 2024 | $11,539.00 (+251.48%) | $229,208 (-) Land $11,200 Building $218,008 | $428,426 (+0.93%) Land $20,935 Building $407,491 |
| 2023 | $229,208 Land $11,200 Building $218,008 | $424,459 Land $20,741 Building $403,718 | |
| 2019 | $3,283.00 |
Source: FEMA National Flood Hazard Layer, Tioga County (36107C), updated October 31, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures