521 E Front St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 521 E Front St, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 528 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$68,000 (Jun 2023)
Tax Bill	$2,488 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`493001 129.05-3-28`

Property Details

APN / Parcel Number

Primary APN	`493001 129.05-3-28`
Alternative APNs	`300112900500030280000000` `00000001374`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	528 sqft Living Area
1st Floor Area	528 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	106 ft deep x 59.5 ft wide
Garage Type	Detached
Garage Area	928 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	172 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000001374
Street Address	521 E FRONT ST
City	OWEGO
State	NY
Zip	13827-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	3
Legal Lot Number	28.000
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, 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	521 E FRONT ST, OWEGO, NY 13827-1205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
May 18, 2020	Executor's Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2023 · Amount on Record
Deed Sale	Jun 29, 2023 · Amount on Record
Prior Sale	May 18, 2020 · Amount on Record
Deed Document Number	20232352
Prior Transfer Date	May 12, 2020
Prior Transfer Doc	0000001709
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 29, 2023
Property Address	521 E FRONT ST, OWEGO, NY 13827-1205
Document Number	2023000002352
Instrument Date	Jun 28, 2023
Instrument	20230-00002352
Transaction Type	Transfer
Record Updated	Jul 25, 2023

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	200 RANO BLVD APT 1A10, 1A10, VESTAL, NY 13850-2748

Mortgage

Document Number	23000002353
Date	Jun 29, 2023
Instrument	230-00002353

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	TIOGA NY
Recording Date	May 18, 2020
Property Address	521 E FRONT ST, OWEGO, NY 13827-1205
Document Number	2020000001709
Instrument Date	May 12, 2020
Instrument	20200-00001709
Transaction Type	Transfer
Record Updated	Jun 13, 2023

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	521 E FRONT ST, OWEGO, NY 13827-1205

Mortgage

Document Number	2020000001710
Date	May 18, 2020
Instrument	20200-00001710

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

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
2026	$2,488.00 (+0.97%)
2025	$2,464.00 (+206.47%)	$38,500 (-) Land $9,100 Building $29,400	$73,684 (+3.35%) Land $17,416 Building $56,268
2023		$38,500 (-) Land $9,100 Building $29,400	$71,296 (+14.81%) Land $16,852 Building $54,444
2022		$38,500 Land $9,100 Building $29,400	$62,097 Land $14,677 Building $47,420
2019	$804.00

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	Direct burnable vegetation

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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
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: Empire Long Distance.

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