410 Gary Dr, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 410 Gary Dr, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,425 sqft · built 1987
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on Record
Last Sale	$12,000 (Sep 2020)
Tax Bill	$10,439 (2026)
Deeds & Mortgages	Sep 2020 Sale Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493089 119.00-2-18.26`

Property Details

APN / Parcel Number

Primary APN	`493089 119.00-2-18.26`
Alternative APNs	`308911900000020180260000` `00000013231`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,425 sqft Living Area
1st Floor Area	1,985 sqft
2nd Floor Area	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	218,236 sqft (5.01 acres)
Lot Dimensions	590 ft deep x 86.5 ft wide
Garage Type	Detached
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	655 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000013231
Street Address	410 GARY DR
City	OWEGO
State	NY
Zip	13827-5608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	2
Legal Lot Number	18.026
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	1
Census Block	1050
Census Tract	20300

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	2 Individual Names on Record
Mailing Address	410 GARY DR, OWEGO, NY 13827-5608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Quit Claim Deed, Transfer
Feb 18, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
Aug 26, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	Feb 18, 2020 · Amount on Record
Deed Document Number	20203770
Prior Transfer Date	Sep 18, 2020
Prior Transfer Doc	0000003770
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Sep 30, 2020
Property Address	410 GARY DR, OWEGO, NY 13827-5608
Document Number	2020000003770
Instrument Date	Sep 18, 2020
Instrument	20200-00003770
Transaction Type	Transfer
Record Updated	Dec 28, 2021

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	410 GARY DR, OWEGO, NY 13827-5608

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Feb 18, 2020
Property Address	410 GARY DR, OWEGO, NY 13827-5608
Document Number	2020000000614
Instrument Date	Feb 3, 2020
Instrument	20200-00000614
Transaction Type	Transfer
Record Updated	Dec 28, 2021

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	400 MCFALL RD, APALACHIN, NY 13732-3738
Investor	Possibly a Property Investor

Mortgage

Document Number	20000000615
Date	Feb 18, 2020
Instrument	200-00000615

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	2020000000614
Date	Feb 18, 2020
Instrument	20200-00000614

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Aug 26, 2019
Property Address	410 GARY DR, OWEGO, NY 13827-5608
Document Number	2019000003358
Instrument Date	Aug 9, 2019
Instrument	20190-00003358
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHURCH ST, OWEGO, NY 13827-1624

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	$10,439.00 (-0.08%)
2025	$10,447.00 (+155.8%)	$205,600 (-) Land $10,800 Building $194,800	$393,493 (+3.35%) Land $20,670 Building $372,823
2023		$205,600 Land $10,800 Building $194,800	$380,741 Land $20,000 Building $360,741
2019	$4,084.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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