522 E Front St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 522 E Front St, Owego, NY 13827 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 978 sqft · built 1929
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$25,000 (Mar 2023)
Tax Bill	$4,296 (2025)
Deeds & Mortgages	Mar 2023 Sale
Flood Zone	Zone AE (high risk)
APN	`493001 129.05-3-43`

Property Details

APN / Parcel Number

Primary APN	`493001 129.05-3-43`
Alternative APNs	`300112900500030430000000` `00000000189`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	978 sqft Living Area
1st Floor Area	628 sqft
Upper Floors Area	350 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	93 ft deep x 50 ft wide
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000000189
Street Address	522 E FRONT ST
City	OWEGO
State	NY
Zip	13827-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	43.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2007
Census Tract	20500

Owner

Source: Tioga County and Owego Town records · APN 493001 129.05-3-43

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	Individual Name on File
Mailing Address	64 SPENCER AVE, OWEGO, NY 13827-1415
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 2023 · Amount on Record
Deed Sale	Mar 20, 2023 · Amount on Record
Deed Document Number	202320230-00001005
Record Updated	Jun 08, 2026

March 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	TIOGA NY
Recording Date	Mar 20, 2023
Property Address	522 E FRONT ST, OWEGO, NY 13827-1206
Document Number	2023000001005
Instrument Date	Mar 07, 2023
Instrument	20230-00001005
Transaction Type	Transfer
Record Updated	Apr 12, 2023

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	64 SPENCER AVE, OWEGO, NY 13827-1415

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	$4,296.00 (+255.63%)	$36,300 (-) Land $8,400 Building $27,900	$69,474 (+3.35%) Land $16,077 Building $53,397
2023		$36,300 Land $8,400 Building $27,900	$67,222 Land $15,556 Building $51,666
2019	$1,208.00

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	Direct burnable vegetation at the parcel

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 64 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, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.