489 E Front St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 489 E Front St, Owego, NY 13827 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,424 sqft · built 1900
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Sep 2016)
Tax Bill	$3,019 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`493001 129.05-3-34`

Property Details

APN / Parcel Number

Primary APN	`493001 129.05-3-34`
Alternative APNs	`300112900500030340000000` `00000001006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,424 sqft Living Area
1st Floor Area	768 sqft
2nd Floor Area	656 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	239 ft deep x 67.1 ft wide
Garage Type	Attached
Garage Area	355 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	527 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000001006
Street Address	489 E FRONT ST
City	OWEGO
State	NY
Zip	13827-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	34.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2002
Census Tract	20500

Owner

Source: Tioga County and Owego Town records · APN 493001 129.05-3-34

Assessment roll updated May 15, 2026 · Last verified May 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 File
Mailing Address	489 E FRONT ST, OWEGO, NY 13827-1205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 01, 2016 · Amount on Record
Deed Sale	Sep 01, 2016 · Amount on Record
Prior Sale	Mar 13, 2015 · Amount on Record
Deed Book / Page	20160 / 3592
Prior Transfer Date	Jan 29, 2013
Prior Transfer Doc	0000020632/000000700
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	489 E FRONT ST, OWEGO, NY 13827-1205
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000002112
Date	May 10, 2022
Instrument	20220-00002112

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Tioga County and Owego Town records · Assessment roll updated May 15, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,019.00 (+60.16%)	$36,900 (-) Land $10,600 Building $26,300	$70,622 (+3.35%) Land $20,287 Building $50,335
2023		$36,900 Land $10,600 Building $26,300	$68,333 Land $19,630 Building $48,703
2019	$1,885.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Tioga County (36107C), updated October 31, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361070205002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 93 individual NFIP policies nearby
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 Storm	Remnants Of Tropical Storm Lee, Sep 2011 · 108 claims Severe Storms And Flooding, Jun 2006 · 72 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Greenlight Networks Holding	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Zeta Broadband	Fixed Wireless (unlicensed)	400 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Empire Telephone Corporation/North Penn Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.