3164 E River Rd, Nichols, NY 13812 Property Records

Tioga County and Nichols Town property record for 3164 E River Rd, Nichols, NY 13812

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,592 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$81,914 (Dec 2020)
Tax Bill	$2,541 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`492889 149.00-1-38`

Property Details

APN / Parcel Number

Primary APN	`492889 149.00-1-38`
Alternative APNs	`288914900000010380000000` `00000000326`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,592 sqft Living Area
1st Floor Area	892 sqft
2nd Floor Area	700 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	165 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	397 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000326
Street Address	3164 E RIVER RD
City	NICHOLS
State	NY
Zip	13812-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Description	DEED DATE 04/06/73
Legal Block	1
Legal Lot Number	38.000
Jurisdiction	TIOGA NY
Township / Civil Division	NICHOLS
Census Block Group	6
Census Block	6000
Census Tract	20600

Owner

3164 E River Rd is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3164 E RIVER RD, NICHOLS, NY 13812-3223
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
Sep 1, 2017	Deed of Trust, Mortgage PHILIPH STRAWN
Sep 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ALLEN STRAWN
Dec 11, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN FINANCIAL NETWORK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Mar 4, 2014 · Amount on File
Deed Document Number	20205014
Prior Transfer Date	Sep 29, 2009
Prior Transfer Doc	0000017246/000000600
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	3164 E RIVER RD, NICHOLS, NY 13812-3223
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17000003762
Date	Sep 1, 2017
Instrument	170-00003762

Lender

Name	PHILIPH STRAWN

Agreement

Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	3164 E RIVER RD, NICHOLS, NY 13812-3223
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19000003641
Date	Sep 13, 2019
Instrument	190-00003641

Lender

Name	ALLEN STRAWN

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 11, 2020
Property Address	3164 E RIVER RD, NICHOLS, NY 13812-3223
Document Number	2020000005014
Instrument Date	Dec 8, 2020
Instrument	20200-00005014
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount 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
Address	3164 E RIVER RD, NICHOLS, NY 13812-3223

Mortgage

Document Number	2020000005015
Date	Dec 11, 2020
Instrument	20200-00005015

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 3164 E River Rd was $2,541, up 0.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,541.00 (+0.47%)
2025	$2,529.00	$18,250 Land $1,000 Building $17,250	$105,006 Land $5,754 Building $99,252
2023		$18,250 Land $1,000 Building $17,250	$86,905 Land $4,762 Building $82,143
2019	$2,363.00

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

FEMA maps place 3164 E River Rd 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
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	46 (1979–2017)
Claims Outside the SFHA	18 of 46
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 16 claims Severe Storms And Flooding, Jun 2006 · 16 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 3164 E River 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zeta Broadband Fiber	5,000 / 5,000
Fiberspark Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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