3676 Waverly Rd, Owego, NY 13827 Property Records

Tioga County and Tioga Town property record for 3676 Waverly Rd, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1925
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,110 (2026)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`493600 127.20-1-3.20`

Property Details

APN / Parcel Number

Primary APN	`493600 127.20-1-3.20`
Alternative APNs	`360012702000010030200000` `00000001658`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	672 sqft
Upper Floors Area	504 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Detached
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000001658
Street Address	3676 WAVERLY RD
City	OWEGO
State	NY
Zip	13827-2831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Description	DEED DATE 03/12/99
Legal Block	1
Legal Lot Number	3.020
Jurisdiction	TIOGA NY
Township / Civil Division	TIOGA
Census Block Group	3
Census Block	3070
Census Tract	20600

Owner

Source: Tioga County and Tioga 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	3670 WAVERLY RD, OWEGO, NY 13827-2831
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 14, 2022
Transfer Doc	2022000002720
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 16, 2022
Property Address	3676 WAVERLY RD, OWEGO, NY 13827-2831
Document Number	2022000002720
Instrument Date	Jun 14, 2022
Instrument	20220-00002720
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3670 WAVERLY RD, OWEGO, NY 13827-2831

Mortgage

Document Number	2022000002721
Date	Jun 16, 2022
Instrument	20220-00002721

Lender

Name	CHEMUNG CANAL TRUST CO
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	3.6%
Type Change Date	Jul 1, 2029
Index	1-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,110.00 (+0.32%)
2025	$3,100.00 (+2.28%)	$5,300 (-) Land $400 Building $4,900	$123,256 (+4.65%) Land $9,302 Building $113,954
2023		$5,300 Land $400 Building $4,900	$117,778 Land $8,889 Building $108,889
2019	$3,031.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	25 (1983–2011)
Claims Outside the SFHA	5 of 25
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 8 claims Severe Storms And Flooding, Jul 2006 · 13 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 80% of the US · above 54% of New York
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20