Tioga County and Tioga Town property record for 3731 Waverly Rd, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,924 sqft · built 1829 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Dec 2024) |
| Tax Bill | $3,045 (2025) |
| Deeds & Mortgages | Jan 2013 Mortgage Dec 2024 Sale & Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 493600 128.17-1-1.21 |
| Primary APN | 493600 128.17-1-1.21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,924 sqft Living Area |
| 1st Floor Area | 2,424 sqft |
| 2nd Floor Area | 1,212 sqft |
| Upper Floors Area | 288 sqft |
| Year Built | Built 1829 |
|---|---|
| Effective Year Built | Effective 1829 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Mixed |
| Parking Spaces | 5 Parking Spaces |
| Porch | Patio |
| Porch Area | 304 sqft |
| Canopy | 50 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000002336 |
|---|---|
| Street Address | 3731 WAVERLY RD |
| City | OWEGO |
| State | NY |
| Zip | 13827-2834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 1.211 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | TIOGA |
| Census Block Group | 3 |
| Census Block | 3067 |
| Census Tract | 20600 |
Source: Tioga County and Tioga Town records, as of May 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 58 SCHUBERT ST, 2-1, BINGHAMTON, NY 13905-3420 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 23, 2013 | Deed of Trust, Mortgage MANUFACTURERS & TRADERS TRUST CO |
| Dec 6, 2024 | Warranty Deed, Transfer · Stand-Alone Refinance VISIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on Record |
| Deed Sale | Dec 6, 2024 · Amount on Record |
| Prior Sale | Oct 2, 1996 · Amount on Record |
| Deed Document Number | 20244204 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 3731 WAVERLY RD, OWEGO, NY 13827-2834 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0206031001 |
|---|---|
| Date | Jan 23, 2013 |
| Instrument | 0206031001 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Dec 6, 2024 |
| Property Address | 3731 WAVERLY RD, OWEGO, NY 13827-2834 |
| Document Number | 202400004204 |
| Instrument Date | Oct 29, 2024 |
| Instrument | 2024-00004204 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 58 SCHUBERT ST # 2-1, 2-1, BINGHAMTON, NY 13905-3420 |
| Document Number | 202400004206 |
|---|---|
| Date | Dec 6, 2024 |
| Instrument | 2024-00004206 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2055 |
Source: Tioga County and Tioga Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tioga County |
| County Subdivision | Tioga Town |
| Unified School District | Owego-Apalachin Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,045.00 (+77.65%) | $8,700 (+8.75%) Land $700 Building $8,000 | $202,326 (+13.81%) Land $16,279 Building $186,047 |
| 2023 | $8,000 Land $1,000 Building $7,000 | $177,778 Land $22,222 Building $155,556 | |
| 2019 | $1,714.00 |
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.
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 |
|
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
May also be available: T-Mobile, Verizon.
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