521 E Main St, Owego, NY 13827 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,896 sqft · built 1880
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$274,000 (Jan 2023)
Tax Bill	$9,370 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493001 118.17-1-53`

Property Details

APN / Parcel Number

Primary APN	`493001 118.17-1-53`
Alternative APNs	`300111801700010530000000` `00000000906`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,896 sqft Living Area
1st Floor Area	1,328 sqft
2nd Floor Area	1,568 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	130,680 sqft (3 acres)
Lot Dimensions	744 ft deep x 170 ft wide
Garage Type	Detached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	440 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000000906
Street Address	521 E MAIN ST
City	OWEGO
State	NY
Zip	13827-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	53.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	1
Census Block	1002
Census Tract	20500

Owner

521 E Main St is owned and occupied by two individuals who bought it in January 2023.

Source: Tioga County and Owego Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	521 E MAIN ST, OWEGO, NY 13827-1219
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage CFCU COMMUNITY CU
Mar 10, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 30, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage ELMIRA SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2023 · Amount on File
Deed Sale	Jan 20, 2023 · Amount on File
Prior Sale	Jun 30, 2020 · Amount on File
Deed Document Number	2023221
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jan 20, 2023
Property Address	521 E MAIN ST, OWEGO, NY 13827-1219
Document Number	2023000000221
Instrument Date	Jan 18, 2023
Instrument	20230-00000221
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	556 E MAIN ST # B, B, OWEGO, NY 13827-1222

Mortgage

Document Number	23000000222
Date	Jan 20, 2023
Instrument	230-00000222

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Mar 10, 2021
Property Address	521 E MAIN ST, OWEGO, NY 13827-1219
Document Number	2021000001282
Instrument Date	Mar 9, 2021
Instrument	20210-00001282
Transaction Type	Transfer
Record Updated	Mar 19, 2024

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
Relationship	Tenants by the Entirety
Address	521 E MAIN ST, OWEGO, NY 13827-1219

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 30, 2020
Property Address	521 E MAIN ST, OWEGO, NY 13827-1219
Document Number	2020000002361
Instrument Date	Jun 4, 2020
Instrument	20200-00002361
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount on Record
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	157 HOLMES RD, APALACHIN, NY 13732-1103

Mortgage

Document Number	2020000002362
Date	Jun 30, 2020
Instrument	20200-00002362

Lender

Name	ELMIRA SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 521 E Main St was $9,370, up 0.9% from the year before.

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	$9,370.00 (+0.95%)
2025	$9,282.00	$145,000 Land $21,400 Building $123,600	$277,512 Land $40,957 Building $236,555
2023		$145,000 Land $21,400 Building $123,600	$268,519 Land $39,630 Building $228,889
2019	$7,768.00

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

Flood

FEMA maps place 521 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	79 (1983–2015)
Claims Outside the SFHA	11 of 79
Most Recent Claim	Apr 2015 · other causes
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 47 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2011 · 4 claims Severe Storms And Flooding, Jun 2006 · 20 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

Wildfire risk around 521 E Main St is low, with a 0.01% annual chance of 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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