400 McFall Rd, Apalachin, NY 13732 Property Records

Tioga County and Owego Town property record for 400 McFall Rd, Apalachin, NY 13732

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 1,512 sqft · built 1960
Lot Size	1.96 acres (85,378 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Feb 2020)
Tax Bill	$5,231 (2026)
Deeds & Mortgages	May 2026 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`493089 153.10-1-4.1`

Property Details

APN / Parcel Number

Primary APN	`493089 153.10-1-4.1`
Alternative APNs	`308915301000010040010000` `00000005840`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Total Area
1st Floor Area	864 sqft
Upper Floors Area	648 sqft
Game Room	Game Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	85,378 sqft (1.96 acres)
Lot Dimensions	720 ft deep x 128 ft wide
Garage Type	Basement
Porch	Porch
Porch Area	48 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000005840
Street Address	400 MCFALL RD
City	APALACHIN
State	NY
Zip	13732-3738
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	ZONE
Legal Description	DEED REF: 680/282
Legal Block	1
Legal Lot Number	4.001
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2001
Census Tract	20402

Owner

Source: Tioga County and Owego 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	Individual Name on Record
Mailing Address	400 MCFALL RD, APALACHIN, NY 13732-3738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage VISIONS FEDERAL CREDIT UNION
Feb 19, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage VISIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2020 · Amount on Record
Deed Sale	Feb 19, 2020 · Amount on Record
Prior Sale	May 28, 2010 · Amount on Record
Deed Document Number	2020644
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Recording Date	May 13, 2026
Property Address	400 MCFALL RD, APALACHIN, NY 13732-3738
Document Number	202600001720
Instrument Date	Apr 6, 2026
Instrument	20261720
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 MCFALL RD, APALACHIN, NY 13732-3738

Mortgage

Document Number	0000001720,
Date	May 13, 2026
Instrument	20261720

Lender

Name	VISIONS FEDERAL CREDIT UNION

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6%
Max Rate	-1%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Feb 19, 2020
Property Address	400 MCFALL RD, APALACHIN, NY 13732-3738
Document Number	2020000000644
Instrument Date	Feb 14, 2020
Instrument	20200-00000644
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
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	26 BALLOU RD, OWEGO, NY 13827-2614

Mortgage

Document Number	20000000645
Date	Feb 19, 2020
Instrument	200-00000645

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	2020000000644
Date	Feb 19, 2020
Instrument	20200-00000644

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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	$5,231.00 (-0.3%)
2025	$5,247.00 (+153.72%)	$103,600 (-) Land $13,900 Building $89,700	$198,278 (+3.35%) Land $26,603 Building $171,675
2023		$103,600 Land $13,900 Building $89,700	$191,852 Land $25,741 Building $166,111
2019	$2,068.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	8 (2006–2018)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Aug 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2018 · 2 claims Remnants Of Tropical Storm Lee, Sep 2011 · 6 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	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 148 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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