5538 Gaskill Rd, Owego, NY 13827 Property Records

Tioga County and Owego Town property record for 5538 Gaskill Rd, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,092 sqft · built 1959
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Dec 2021)
Tax Bill	$4,199 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493089 119.00-2-44.1`

Property Details

APN / Parcel Number

Primary APN	`493089 119.00-2-44.1`
Alternative APNs	`49308911900000020440000000` `00000011117`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	69,696 sqft (1.6 acres)
Lot Dimensions	396 ft deep x 195 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	200 sqft
Patio Area	280 sqft
Shed	1 Shed
Canopy	130 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000011117
Street Address	5538 GASKILL RD
City	OWEGO
State	NY
Zip	13827-5544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Description	DEED REF: 409/406
Legal Block	2
Legal Lot Number	44.001
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	3
Census Block	3003
Census Tract	20300

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	5538 GASKILL RD, OWEGO, NY 13827-5544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PLAZA HOME MORTGAGE INC
Oct 25, 2018	Deed of Trust, Mortgage · ARM VISIONS FEDERAL CREDIT UNION
Dec 31, 2019	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Dec 31, 2019 · Amount on Record
Deed Document Number	20216246
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 16, 2021
Property Address	5538 GASKILL RD, OWEGO, NY 13827-5544
Document Number	2021000006246
Instrument Date	Dec 15, 2021
Instrument	20210-00006246
Transaction Type	Transfer
Record Updated	Jan 11, 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	50 DECATUR ST, BINGHAMTON, NY 13903-2522

Mortgage

Document Number	21000006247
Date	Dec 16, 2021
Instrument	210-00006247

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	5538 GASKILL RD, OWEGO, NY 13827-5544
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18000004566
Date	Oct 25, 2018
Instrument	180-00004566

Lender

Name	VISIONS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Type Change Date	Nov 1, 2033
Index	10-Year CMTI

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Dec 31, 2019
Property Address	5538 GASKILL RD, OWEGO, NY 13827-5544
Document Number	19000005243
Instrument Date	Dec 31, 2019
Instrument	190-00005243
Transaction Type	Transfer
Record Updated	May 10, 2022

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	5566 GASKILL RD, OWEGO, NY 13827-5544

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
Unified School District	Owego-Apalachin Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,199.00 (-0.07%)
2025	$4,202.00	$82,700 (-) Land $8,300 Building $74,400	$158,278 (+3.35%) Land $15,885 Building $142,393
2023		$82,700 Land $8,300 Building $74,400	$153,148 Land $15,370 Building $137,778

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	52 (1979–2011)
Claims Outside the SFHA	8 of 52
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 29 claims Severe Storms And Flooding, Jun 2006 · 15 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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