Tioga County and Tioga Town property record for 3969 Waverly Rd, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,720 sqft · built 1860 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,864 (2026) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 493600 128.10-1-22.10 |
| Primary APN | 493600 128.10-1-22.10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,720 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| 2nd Floor Area | 1,360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 48,352 sqft (1.11 acres) |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 90 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000000790 |
|---|---|
| Street Address | 3969 WAVERLY RD |
| City | OWEGO |
| State | NY |
| Zip | 13827-2841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 22.010 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | TIOGA |
| Census Block Group | 3 |
| Census Block | 3069 |
| Census Tract | 20600 |
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 | 3969 WAVERLY RD, OWEGO, NY 13827-2841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 3969 WAVERLY RD, OWEGO, NY 13827-2841 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 170-00003667 |
|---|---|
| Date | Aug 28, 2017 |
| Instrument | 170-00003667 |
| Name | CHEMUNG CANAL TRUST CO |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount Recorded |
|---|---|
| Term | 173 Months |
| Due | Jan 1, 2032 |
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 |
|---|---|---|---|
| 2026 | $7,864.00 (+0.32%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $7,839.00 (+173.04%) | $13,400 (-) Land $800 Building $12,600 | $311,628 (+4.65%) Land $18,605 Building $293,023 |
| 2023 | $13,400 Land $800 Building $12,600 | $297,778 Land $17,778 Building $280,000 | |
| 2019 | $2,871.00 |
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 | 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Greenlight Networks.
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