Tioga County and Owego Town property record for 421 Front St, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,066 sqft · built 1920 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,900 (Mar 2026) |
| Tax Bill | $5,357 (2026) |
| Deeds & Mortgages | May 2005 Mortgage Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 493001 129.05-4-8 |
| Primary APN | 493001 129.05-4-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,066 sqft Living Area |
| 1st Floor Area | 1,108 sqft |
| 2nd Floor Area | 958 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 116 ft deep x 81 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 198 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00000001500 |
|---|---|
| Street Address | 421 FRONT ST |
| City | OWEGO |
| State | NY |
| Zip | 13827-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 4 |
| Legal Lot Number | 8.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20500 |
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 | 2 ROLLING TERRACE DR, APALACHIN, NY 13732-1534 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| May 31, 2005 | Deed of Trust, Mortgage VISIONS FCU |
| Mar 12, 2026 | Warranty Deed, Transfer 1ST PRIORITY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2026 · Amount on Record |
| Deed Sale | Mar 12, 2026 · Amount on Record |
| Prior Sale | Apr 7, 1998 · Amount on Record |
| Deed Document Number | 2026923 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 421 FRONT ST, OWEGO, NY 13827-1607 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0120925001 |
|---|---|
| Date | May 31, 2005 |
| Instrument | 0120925001 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Mar 12, 2026 |
| Property Address | 421 FRONT ST, OWEGO, NY 13827-1607 |
| Document Number | 202600000923 |
| Instrument Date | Mar 6, 2026 |
| Instrument | 2026-00000923 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 ROLLING TERRACE DR, APALACHIN, NY 13732-1534 |
| Document Number | 202600000924 |
|---|---|
| Date | Mar 12, 2026 |
| Instrument | 2026-00000924 |
| Name | 1ST PRIORITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2056 |
Source: Tioga County and Owego Town assessment roll, as of May 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,357.00 (+0.96%) | ||
| 2025 | $5,306.00 (+92.25%) | $82,900 (-) Land $9,800 Building $73,100 | $158,660 (+3.35%) Land $18,756 Building $139,904 |
| 2023 | $82,900 Land $9,800 Building $73,100 | $153,519 Land $18,148 Building $135,371 | |
| 2019 | $2,760.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 93 policies |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 205 (1979–2020) |
| Claims Outside the SFHA | 16 of 205 |
| Most Recent Claim | Dec 2020 · river or lake flooding |
| 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 93% of the US · lower than 89% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
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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