453 Carmichael Rd, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 453 Carmichael Rd, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,950 sqft · built 2014
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jun 2025)
Tax Bill	$1,819 (2026)
Deeds & Mortgages	Aug 2013 Mortgage Jun 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`493089 118.00-1-3`

Property Details

APN / Parcel Number

Primary APN	`493089 118.00-1-3`
Alternative APNs	`308911800000010030000000` `493089 118.00-1-3.1` `00000012659`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,950 sqft Living Area
1st Floor Area	1,950 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	217,800 sqft (5 acres)
Lot Dimensions	570 ft deep x 300 ft wide
Porch	Slab
Porch Area	1,434 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000012659
Street Address	453 CARMICHAEL RD
City	OWEGO
State	NY
Zip	13827-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	3.001
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2044
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	84 KATTELVILLE RD, BINGHAMTON, NY 13901-5808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2013	Deed of Trust, Mortgage TIOGA STATE BANK
Jun 23, 2025	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK
Jan 6, 2025	Warranty Deed, Transfer
Jun 21, 2018	Quit Claim Deed, Transfer · ARM VISIONS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2025 · Amount on Record
Deed Sale	Jun 23, 2025 · Amount on Record
Prior Sale	Jan 6, 2025 · Amount on Record
Deed Document Number	20252101
Prior Transfer Date	Jun 15, 2018
Prior Transfer Doc	18000002659
Record Updated	Oct 29, 2026

August 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	453 CARMICHAEL RD, OWEGO, NY 13827-3322
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0211771001
Date	Aug 9, 2013
Instrument	0211771001

Lender

Name	TIOGA STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 23, 2025
Property Address	453 CARMICHAEL RD, OWEGO, NY 13827-3322
Document Number	202500002101
Instrument Date	Jun 2, 2025
Instrument	2025-00002101
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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
Relationship	Tenants by the Entirety
Address	84 KATTELVILLE RD, BINGHAMTON, NY 13901-5808

Mortgage

Document Number	202500002102
Date	Jun 23, 2025
Instrument	2025-00002102

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	VA Mortgage
Amount	Amount Recorded

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jan 6, 2025
Property Address	453 CARMICHAEL RD, OWEGO, NY 13827-3322
Document Number	2025000000048
Instrument Date	Oct 28, 2024
Instrument	20250-00000048
Transaction Type	Transfer
Record Updated	Apr 21, 2026

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	697 CARMICHAEL RD, OWEGO, NY 13827-3313
Investor	Possibly a Property Investor

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 21, 2018
Property Address	453 CARMICHAEL RD, OWEGO, NY 13827-3322
Document Number	18000002658
Instrument Date	Jun 15, 2018
Instrument	180-00002658
Transaction Type	Transfer
Record Updated	Apr 21, 2026

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	453 CARMICHAEL RD, OWEGO, NY 13827-3322

Mortgage

Document Number	18000002659
Date	Jun 21, 2018
Instrument	180-00002659

Lender

Name	VISIONS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Jul 1, 2033
Index	10-Year CMTI

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	$1,819.00 (-23.44%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed
2025	$2,376.00 (+28.16%)	$84,000 (-12.59%) Land $12,100 Building $71,900	$160,766 (-9.66%) Land $23,158 Building $137,608
2023		$96,100 Land $26,600 Building $69,500	$177,963 Land $49,259 Building $128,704
2019	$1,854.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979–1984)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 1984 · tidal / storm surge

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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: Greenlight Networks.

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