437 Front St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 437 Front St, Owego, NY 13827

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,020 sqft · built 1880
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Last Sale	$5,000 (Jul 2023)
Tax Bill	$2,462 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2023 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`493001 129.05-4-12`

Property Details

APN / Parcel Number

Primary APN	`493001 129.05-4-12`
Alternative APNs	`300112900500040120000000` `00000000384`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,020 sqft Total Area
1st Floor Area	1,094 sqft
2nd Floor Area	926 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	125 ft deep x 167 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	219 sqft
Canopy	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000000384
Street Address	437 FRONT ST
City	OWEGO
State	NY
Zip	13827-1607
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	ZONE
Legal Block	4
Legal Lot Number	12.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2004
Census Tract	20500

Owner

437 Front St, a duplex, is owned by a company that bought it in July 2023.

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

Owner of Record	Company Name on File
Mailing Address	1116 FRONT ST, 2, VESTAL, NY 13850-1258
Owner Type	Company
Vesting	Company

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
Feb 9, 2024	Deed of Trust, Mortgage · Commercial Mortgage LIMA ONE CAPITAL LLC
Jul 7, 2023	Deed, Transfer
Oct 25, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 24, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on File
Deed Sale	Jul 7, 2023 · Amount on File
Prior Sale	Sep 24, 2018 · Amount on File
Deed Document Number	202320230-00002432
Prior Transfer Date	Oct 25, 2022
Prior Transfer Doc	2022000004810
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	437 FRONT ST, OWEGO, NY 13827-1607
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024000000469
Date	Feb 9, 2024
Instrument	20240-00000469

Lender

Name	LIMA ONE CAPITAL LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Jul 7, 2023
Property Address	437 FRONT ST, OWEGO, NY 13827-1607
Document Number	2023000002432
Instrument Date	Apr 24, 2023
Instrument	20230-00002432
Transaction Type	Transfer
Record Updated	Jul 25, 2023

Transaction

Amount	Amount 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	1116 FRONT ST # 2, 2, VESTAL, NY 13850-1258

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Oct 25, 2022
Property Address	437 FRONT ST, OWEGO, NY 13827-1607
Document Number	2022000004810
Instrument Date	Oct 25, 2022
Instrument	20220-00004810
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 MAIN ST, OWEGO, NY 13827-1585

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Sep 24, 2018
Property Address	437 FRONT ST, OWEGO, NY 13827-1607
Document Number	18000004113
Instrument Date	Sep 12, 2018
Instrument	180-00004113
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount 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	345 GREENWOOD RD, LISLE, NY 13797-1934

Tax Assessment & Valuation

The 2026 property tax bill for 437 Front St was $2,462, up 1% 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
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
2026	$2,462.00 (+0.98%)
2025	$2,438.00	$38,100 Land $9,600 Building $28,500	$72,919 Land $18,373 Building $54,546
2023		$38,100 (-) Land $9,600 Building $28,500	$70,556 (+14.81%) Land $17,778 Building $52,778
2022		$38,100 Land $9,600 Building $28,500	$61,452 Land $15,484 Building $45,968
2019	$6,994.00

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

Flood

FEMA maps place 437 Front St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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	Remnants Of Tropical Storm Lee, Sep 2011 · 108 claims Severe Storms And Flooding, Jun 2006 · 72 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 437 Front St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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