417 E Main St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 417 E Main St, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 1,650 sqft · built 1875
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (Dec 2022)
Tax Bill	$6,835 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`493001 118.17-2-29`

Property Details

APN / Parcel Number

Primary APN	`493001 118.17-2-29`
Alternative APNs	`300111801700020290000000` `00000000798`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,650 sqft Living Area
1st Floor Area	1,020 sqft
2nd Floor Area	630 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	115 ft deep x 38 ft wide

Exterior Amenities

Porch	Slab
Porch Area	274 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000000798
Street Address	417 E MAIN ST
City	OWEGO
State	NY
Zip	13827-1210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	2
Legal Lot Number	29.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	1
Census Block	1003
Census Tract	20500

Owner

Source: Tioga County and Owego Town records, as of July 29, 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	392 DAVIS HOLLOW RD, NEWARK VALLEY, NY 13811-2706
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Dec 20, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Deed Document Number	202220220-00005617
Prior Transfer Date	Aug 1, 2008
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Recording Date	May 29, 2026
Property Address	417 E MAIN ST, OWEGO, NY 13827-1210
Document Number	0000001913
Instrument Date	May 22, 2026
Instrument	20261913
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 E MAIN ST, OWEGO, NY 13827-1210
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001913,
Date	May 29, 2026
Instrument	20261913

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.23%
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 20, 2022
Property Address	417 MAIN ST, OWEGO, NY 13827-1657
Document Number	2022000005617
Instrument Date	Dec 9, 2022
Instrument	20220-00005617
Transaction Type	Transfer
Record Updated	Mar 19, 2024

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
Relationship	Tenants by the Entirety
Address	392 DAVIS HOLLOW RD, NEWARK VALLEY, NY 13811-2706

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
Municipality	Owego Village
Unified School District	Owego-Apalachin Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,835.00 (+347.32%)	$45,900 (-) Land $8,700 Building $37,200	$87,847 (+3.35%) Land $16,651 Building $71,196
2023		$45,900 Land $8,700 Building $37,200	$85,000 Land $16,111 Building $68,889
2019	$1,528.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	79 (1983–2015)
Claims Outside the SFHA	11 of 79
Most Recent Claim	Apr 2015 · other causes
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 47 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2011 · 4 claims Severe Storms And Flooding, Jun 2006 · 20 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.

Drinking Water

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

Water System	VEOLIA OF OWEGO private · serves 4,850 people · EPA ID NY5304409
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Empire Long Distance.

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