49 Gail Dr, Owego, NY 13827 Property Records

Tioga County and Tioga Town property record for 49 Gail Dr, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1957
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$137,000 (Jan 2022)
Tax Bill	$4,519 (2026)
Deeds & Mortgages	Jan 2022 Sale Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493600 128.09-1-18`

Property Details

APN / Parcel Number

Primary APN	`493600 128.09-1-18`
Alternative APNs	`360012800900010180000000` `00000000015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Game Room	Game Room

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	145 ft deep x 112 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000015
Street Address	49 GAIL DR
City	OWEGO
State	NY
Zip	13827-1091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Description	DEED DATE 12/12/02 ANGEL, BEULAH LIFE USE
Legal Block	1
Legal Lot Number	18.000
Jurisdiction	TIOGA NY
Township / Civil Division	TIOGA
Census Block Group	2
Census Block	2007
Census Tract	20600

Owner

Source: Tioga County and Tioga 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	Individual Name on Record
Mailing Address	49 GAIL DR, OWEGO, NY 13827-1091
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Warranty Deed, Transfer
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 5, 2018	Deed of Trust, Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Dec 5, 2014 · Amount on Record
Deed Document Number	2022-00000239
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jan 13, 2022
Property Address	49 GAIL DR, OWEGO, NY 13827-1091
Document Number	2022000000239
Instrument Date	Jan 5, 2022
Instrument	20220-00000239
Transaction Type	Transfer
Record Updated	Feb 8, 2022

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	46 THORN HOLLOW RD, OWEGO, NY 13827-2742

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	49 GAIL DR, OWEGO, NY 13827-1091
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000005546
Date	Nov 9, 2021
Instrument	20210-00005546

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	49 GAIL DR, OWEGO, NY 13827-1091
Transaction Type	Mortgage
Record Updated	Jun 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18000002358
Date	Jun 5, 2018
Instrument	180-00002358

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	295 Months
Due	Jan 1, 2043

Tax Assessment & Valuation

Source: Tioga County and Tioga Town assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Tioga County
County Subdivision	Tioga Town
Unified School District	Owego-Apalachin Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,519.00 (+0.33%)
2025	$4,504.00 (+172.97%)	$7,700 (-) Land $400 Building $7,300	$179,070 (+4.65%) Land $9,302 Building $169,768
2023		$7,700 Land $400 Building $7,300	$171,111 Land $8,889 Building $162,222
2019	$1,650.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 Claims	1 (2006)
Most Recent Claim	Jun 2006 · Severe Storms And Flooding

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	MAPLE SHADE TRAILER PARK #1 private · serves 32 people · EPA ID NY5301417
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: Haefele Connect.

Nearby Properties on Gail Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures