472 E Main St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 472 E Main St, Owego, NY 13827

Property Summary

Property Type	Triplex
Details	4 bd · 2 ba · 2,794 sqft · built 1985
Lot Size	0.99 acres (43,124 sqft)
Owner	Company Name on Record
Last Sale	$80,000 (Mar 2024)
Tax Bill	$9,177 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jul 2023 Foreclosure + 1 more
Flood Zone	Zone AE (high risk)
APN	`493001 129.05-3-5`

Property Details

APN / Parcel Number

Primary APN	`493001 129.05-3-5`
Alternative APNs	`300112900500030050000000` `00000001145`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,794 sqft Gross Area
1st Floor Area	504 sqft
Basement Area	1,384 sqft
Unfinished Basement	1,384 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Lot Area	43,124 sqft (0.99 acres)
Lot Dimensions	240 ft deep x 180 ft wide
Garage Type	Attached
Garage Area	936 sqft
Porch	Slab
Porch Area	820 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000001145
Street Address	472 E MAIN ST
City	OWEGO
State	NY
Zip	13827-1264
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	ZONE
Legal Block	3
Legal Lot Number	5.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2003
Census Tract	20500

Owner

Source: Tioga County and Owego Town records, as of May 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	461 E MAIN ST, OWEGO, NY 13827-1230
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST CITIZENS COMMUNITY BANK
Jul 28, 2023	Deed in Lieu of Foreclosure, Foreclosure
Jun 26, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2024 · Amount on Record
Deed Sale	Mar 4, 2024 · Amount on Record
Prior Sale	Jul 28, 2023 · Amount on Record
Deed Document Number	202420240-00000716
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Mar 4, 2024
Property Address	472 MAIN ST, OWEGO, NY 13827
Document Number	2024000000716
Instrument Date	Feb 14, 2024
Instrument	20240-00000716
Transaction Type	Transfer
Record Updated	Mar 26, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	574 E MAIN ST, OWEGO, NY 13827-1222

Mortgage

Document Number	24000000717
Date	Mar 4, 2024
Instrument	240-00000717

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2023: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	TIOGA NY
Recording Date	Jul 28, 2023
Property Address	472 MAIN ST, OWEGO, NY 13827
Document Number	0020232711
Instrument Date	Jul 18, 2023
Instrument	2023-2711
Transaction Type	Foreclosure
Record Updated	Mar 19, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 S MAIN ST, MANSFIELD, PA 16933-1507

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 26, 2019
Property Address	472 MAIN ST, OWEGO, NY 13827
Document Number	2019000002457
Instrument Date	Jun 6, 2019
Instrument	20190-00002457
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
Address	121 FORDHAM ST, SAYRE, PA 18840-2310

Mortgage

Document Number	19000002458
Date	Jun 26, 2019
Instrument	190-00002458

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	19000002457
Date	Jun 26, 2019
Instrument	190-00002457

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$9,177.00 (+134.17%)	$117,700 (-) Land $39,500 Building $78,200	$225,263 (+3.35%) Land $75,598 Building $149,665
2023		$117,700 (-) Land $39,500 Building $78,200	$217,963 (+14.81%) Land $73,148 Building $144,815
2022		$117,700 Land $39,500 Building $78,200	$189,839 Land $63,710 Building $126,129
2019	$3,919.00

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 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

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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