525 E Main St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 525 E Main St, Owego, NY 13827

Property Summary

Property Type	Residential Vacant Land
Details	6 bd · 3 ba · 2,728 sqft · built 1990
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Feb 2018)
Tax Bill	$349 (2026)
Deeds & Mortgages	Jan 2022 Refinance Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493001 118.18-1-2.1`

Property Details

APN / Parcel Number

Primary APN	`493001 118.18-1-2.1`
Alternative APNs	`300111801800010020010000` `00000001728`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Units	7 Units
Stories	2 Stories
Building Area	2,728 sqft Living Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	108,900 sqft (2.5 acres)
Lot Dimensions	125 ft deep x 80 ft wide

Utilities, Heating & Cooling

Heating System	Electric
Heating Fuel	Oil

Location & Zoning

Account Number	00000001728
Street Address	525 E MAIN ST
City	OWEGO
State	NY
Zip	13827-1219
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	2.001
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	1
Census Block	1002
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	525 E MAIN ST, OWEGO, NY 13827-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU
Oct 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SPRINGTREE PROP LLC
Feb 21, 2018	Warranty Deed, Transfer PLAIN ENGLISH QUALITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2018 · Amount on Record
Deed Sale	Feb 21, 2018 · Amount on Record
Prior Sale	Apr 3, 2014 · Amount on Record
Deed Document Number	2018715
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	525 E MAIN ST, OWEGO, NY 13827-1257
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000000180
Date	Jan 12, 2022
Instrument	20220-00000180

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	525 E MAIN ST, OWEGO, NY 13827-1257
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020000004186
Date	Oct 23, 2020
Instrument	20200-00004186

Lender

Name	SPRINGTREE PROP LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Feb 21, 2018
Property Address	525 E MAIN ST, OWEGO, NY 13827-1257
Document Number	18000000715
Instrument Date	Nov 29, 2017
Instrument	180-00000715
Transaction Type	Transfer
Record Updated	Jul 7, 2022

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	257 NAGEL HILL RD, CANDOR, NY 13743-2428

Mortgage

Document Number	18000000716
Date	Feb 21, 2018
Instrument	180-00000716

Lender

Name	PLAIN ENGLISH QUALITY

Agreement

Amount	Amount Recorded

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	$349.00 (-32.23%)
2025	$515.00 (+9.57%)	$5,400 (-) Land $5,400	$10,335 (+3.35%) Land $10,335
2023		$5,400 Land $5,400	$10,000 Land $10,000
2019	$470.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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