Tioga County and Owego Town property record for 3 Lori Dr, Apalachin, NY 13732
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,274 sqft · built 1988 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $261,217 (Jan 2025) |
| Tax Bill | $4,599 (2026) |
| Deeds & Mortgages | Mar 2016 Mortgage Jan 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 493089 153.12-2-18 |
| Primary APN | 493089 153.12-2-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,274 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 165 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 182 sqft |
| Patio Area | 16 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00000007719 |
|---|---|
| Street Address | 3 LORI DR |
| City | APALACHIN |
| State | NY |
| Zip | 13732-3901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20402 |
3 Lori Dr is owned by two individuals who bought it in January 2025.
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 File |
|---|---|
| Mailing Address | 7709 EATON AVE, JACKSONVILLE, FL 32211-7820 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 10, 2016 | Deed of Trust, Mortgage EMBRACE HOME LOANS INC |
| Jan 8, 2025 | Warranty Deed, Transfer · Stand-Alone First Mortgage BROADVIEW FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2025 · Amount on File |
| Deed Sale | Jan 8, 2025 · Amount on File |
| Deed Document Number | 2025100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 3 LORI DR, APALACHIN, NY 13732-3901 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0600000945 |
|---|---|
| Date | Mar 10, 2016 |
| Instrument | 0600000945 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 178 Months |
| Due | Jan 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Jan 8, 2025 |
| Property Address | 3 LORI DR, APALACHIN, NY 13732-3901 |
| Document Number | 2025000000100 |
| Instrument Date | Jan 6, 2025 |
| Instrument | 20250-00000100 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| 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 | 7709 EATON AVE, JACKSONVILLE, FL 32211-7820 |
| Document Number | 25000000101 |
|---|---|
| Date | Jan 8, 2025 |
| Instrument | 250-00000101 |
| Name | BROADVIEW FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3 Lori Dr was $4,599, down 0.3% from the year before.
Source: Tioga County and Owego Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tioga County |
| County Subdivision | Owego Town |
| Unified School District | Vestal Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,599.00 (-0.3%) | ||
| 2025 | $4,613.00 | $82,200 Land $15,800 Building $66,400 | $157,321 Land $30,239 Building $127,082 |
| 2023 | $82,200 Land $15,800 Building $66,400 | $152,222 Land $29,259 Building $122,963 | |
| 2019 | $1,666.00 |
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.
FEMA maps place 3 Lori Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 95 (1983–2018) |
| Claims Outside the SFHA | 28 of 95 |
| Most Recent Claim | Aug 2018 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 3 Lori Dr 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 | 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Empire Long Distance Fiber | 1,000 / 100 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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