538 E Main St, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 538 E Main St, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,688 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$109,900 (Feb 2022)
Tax Bill	$3,808 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`493001 129.05-3-24`

Property Details

APN / Parcel Number

Primary APN	`493001 129.05-3-24`
Alternative APNs	`300112900500030240000000` `00000001257`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,688 sqft Living Area
1st Floor Area	984 sqft
2nd Floor Area	704 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	164 ft deep x 66 ft wide
Porch	Slab
Porch Area	112 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000001257
Street Address	538 E MAIN ST
City	OWEGO
State	NY
Zip	13827-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	3
Legal Lot Number	24.000
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 May 15, 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	538 E MAIN ST, OWEGO, NY 13827-1220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage 1ST PRIORITY MORTGAGE INC
Dec 13, 2017	Deed of Trust, Mortgage · FHA Mortgage PARAGON HOME LOANS
Dec 13, 2017	Warranty Deed, Transfer · FHA Mortgage PARAGON HOME LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on Record
Deed Sale	Feb 15, 2022 · Amount on Record
Prior Sale	Dec 13, 2017 · Amount on Record
Deed Document Number	2022-00000789
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Feb 15, 2022
Property Address	538 E MAIN ST, OWEGO, NY 13827-1220
Document Number	2022000000789
Instrument Date	Feb 8, 2022
Instrument	20220-00000789
Transaction Type	Transfer
Record Updated	Mar 21, 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	74 WEST AVE, OWEGO, NY 13827-1048

Mortgage

Document Number	22000000790
Date	Feb 15, 2022
Instrument	220-00000790

Lender

Name	1ST PRIORITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	538 E MAIN ST, OWEGO, NY 13827-1220
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17000005436
Date	Dec 13, 2017
Instrument	170-00005436

Lender

Name	PARAGON HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 13, 2017
Property Address	538 E MAIN ST, OWEGO, NY 13827-1220
Document Number	17000005435
Instrument Date	Nov 16, 2017
Instrument	170-00005435
Transaction Type	Transfer
Record Updated	Mar 21, 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	567 E FRONT ST, OWEGO, NY 13827-1232

Mortgage

Document Number	17000005436
Date	Dec 13, 2017
Instrument	170-00005436

Lender

Name	PARAGON HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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
2025	$3,808.00 (+63.36%)	$59,500 (-) Land $9,700 Building $49,800	$113,876 (+3.35%) Land $18,565 Building $95,311
2023		$59,500 Land $9,700 Building $49,800	$110,185 Land $17,963 Building $92,222
2019	$2,331.00

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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