Tioga County and Owego Town property record for 439 E Main St, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,646 sqft · built 1875 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $35,000 (Nov 2016) |
| Tax Bill | $3,054 (2026) |
| Deeds & Mortgages | Jan 2024 Refinance Feb 2021 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 493001 118.17-1-40 |
| Primary APN | 493001 118.17-1-40 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,646 sqft Living Area |
| 1st Floor Area | 974 sqft |
| 2nd Floor Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 285 ft deep x 40 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Porch |
| Porch Area | 234 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00000000956 |
|---|---|
| Street Address | 439 E MAIN ST |
| City | OWEGO |
| State | NY |
| Zip | 13827-1230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 40.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 1 |
| Census Block | 1002 |
| 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 439 E MAIN ST, OWEGO, NY 13827-1230 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 2, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance NYS AFFORDABLE HOUSING |
| Feb 23, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2016 · Amount on Record |
| Deed Sale | Nov 15, 2016 · Amount on Record |
| Prior Sale | Sep 4, 1997 · Amount on Record |
| Deed Book / Page | 20160 / 4910 |
| Last Transfer Date | Feb 23, 2021 |
| Transfer Doc | 0000000934 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 439 E MAIN ST, OWEGO, NY 13827-1230 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2024000000012 |
|---|---|
| Date | Jan 2, 2024 |
| Instrument | 20240-00000012 |
| Name | NYS AFFORDABLE HOUSING |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Feb 23, 2021 |
| Property Address | 439 E MAIN ST, OWEGO, NY 13827-1230 |
| Document Number | 2021000000934 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 20210-00000934 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 306 ROOSEVELT AVE APT A, A, ENDICOTT, NY 13760-5581 |
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 | $3,054.00 (+73.62%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,759.00 (+0.46%) | $52,600 (-) Land $10,000 Building $42,600 | $100,670 (+3.35%) Land $19,139 Building $81,531 |
| 2023 | $52,600 Land $10,000 Building $42,600 | $97,407 Land $18,518 Building $78,889 | |
| 2019 | $1,751.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 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.
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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