Tioga County and Owego Town property record for 3130 Valley Rd, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,560 sqft · built 1988 |
| Lot Size | 6.29 acres (273,992 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $104,000 (Aug 1995) |
| Tax Bill | $5,413 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 493089 162.00-1-18.5 |
| Primary APN | 493089 162.00-1-18.5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,560 sqft |
| Game Room | Game Room |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 273,992 sqft (6.29 acres) |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 380 sqft |
| Patio Area | 240 sqft |
| Canopy | 280 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000007779 |
|---|---|
| Street Address | 3130 VALLEY RD |
| City | OWEGO |
| State | NY |
| Zip | 13827-7108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Description | STORAGE LEASE BK688/P281 |
| Legal Block | 1 |
| Legal Lot Number | 18.005 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 20401 |
Source: Tioga County and Owego 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3130 VALLEY RD, OWEGO, NY 13827-7108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 1995 · Amount on Record |
| Deed Sale | Aug 3, 1995 · Amount on Record |
| Deed Book / Page | 571 / 333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 3130 VALLEY RD, OWEGO, NY 13827-7108 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021000005545 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 20210-00005545 |
| Name | CHEMUNG CANAL TRUST CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2036 |
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 | Owego-Apalachin Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,413.00 (-0.06%) Homeowner's exemption | ||
| 2025 | $5,416.00 (+155.83%) | $106,600 (-) Land $16,200 Building $90,400 | $204,019 (+3.35%) Land $31,005 Building $173,014 |
| 2023 | $106,600 Land $16,200 Building $90,400 | $197,407 Land $30,000 Building $167,407 | |
| 2019 | $2,117.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 16 (1979–2011) |
| Claims Outside the SFHA | 4 of 16 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| 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.
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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
No cell data coverage reported
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