4 Clover Rd, Apalachin, NY 13732 Property Records

Tioga County and Owego Town property record for 4 Clover Rd, Apalachin, NY 13732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,400 sqft · built 1972
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$169,000 (Jun 2014)
Tax Bill	$5,827 (2026)
Deeds & Mortgages	May 2022 Refinance Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`493089 153.09-3-7`

Property Details

APN / Parcel Number

Primary APN	`493089 153.09-3-7`
Alternative APNs	`308915300900030070000000` `00000004851`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,400 sqft Living Area
1st Floor Area	1,536 sqft
Basement Area	864 sqft
Finished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	264 ft deep x 88 ft wide
Garage Type	Basement

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	265 sqft
Patio Area	240 sqft
Shed	1 Shed
Canopy	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000004851
Street Address	4 CLOVER RD
City	APALACHIN
State	NY
Zip	13732-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	3
Legal Lot Number	7.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	3
Census Block	3030
Census Tract	20401

Owner

4 Clover Rd is owned and occupied by an individual who bought it in June 2014.

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

Owner of Record	Individual Name on File
Mailing Address	4 CLOVER RD, APALACHIN, NY 13732-2552
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
May 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Jan 9, 2026	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Mar 22, 2006	Deed of Trust, Mortgage MANUFACTURERS & TRADERS TRUST CO
Jun 13, 2014	Deed, Transfer FIRST PRIORITY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2014 · Amount on File
Deed Sale	Jun 13, 2014 · Amount on File
Prior Sale	May 10, 1999 · Amount on File
Deed Book / Page	14000 / 2464
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	4 CLOVER RD, APALACHIN, NY 13732-2552
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2022000002285
Date	May 19, 2022
Instrument	20220-00002285

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	4 CLOVER RD, APALACHIN, NY 13732-2552
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202600000087
Date	Jan 9, 2026
Instrument	2026-00000087

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2046

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	4 CLOVER RD, APALACHIN, NY 13732-2552
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0130483001
Date	Mar 22, 2006
Instrument	0130483001

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 13, 2014
Property Address	4 CLOVER RD, APALACHIN, NY 13732-2552
Document Number	0000014000/0000002464
Book / Page	0000014000 / 0000002464
Instrument Date	Jun 10, 2014
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	PETER GORTON

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	2390 PENNSYLVANIA AVE, APALACHIN, NY 13732-2610
Investor	Possibly a Property Investor

Mortgage

Document Number	0400002465
Date	Jun 13, 2014
Instrument	0400002465

Lender

Name	FIRST PRIORITY MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 4 Clover Rd was $5,827 with a homeowner's exemption, down 0.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,827.00 (-0.31%) Homeowner's exemption
2025	$5,845.00	$115,400 Land $9,000 Building $106,400	$220,861 Land $17,225 Building $203,636
2023		$115,400 Land $9,000 Building $106,400	$213,704 Land $16,667 Building $197,037
2019	$2,264.00

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

Flood

FEMA maps place 4 Clover 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 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	118 (1979–2011)
Claims Outside the SFHA	35 of 118
Most Recent Claim	Sep 2011 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 50 claims Severe Storms And Flooding, Jun 2006 · 50 claims Tropical Depression Ivan, Sep 2004 · 2 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 4 Clover 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OWEGO WD #3 serves 2,150 people · EPA ID NY5305671
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100

Cell Coverage

4G LTE only, no 5G reported

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