554 Summit Rd, Apalachin, NY 13732 Property Records

Tioga County and Owego Town property record for 554 Summit Rd, Apalachin, NY 13732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,402 sqft · built 2005
Lot Size	8.26 acres (359,806 sqft)
Owner	Individual Name on Record
Last Sale	$34,000 (Oct 2003)
Tax Bill	$11,724 (2026)
Deeds & Mortgages	Mar 2022 Refinance Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493089 141.00-1-51.12`

Property Details

APN / Parcel Number

Primary APN	`493089 141.00-1-51.12`
Alternative APNs	`308914100000010510120000` `00000007854`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,402 sqft Living Area
1st Floor Area	1,177 sqft
2nd Floor Area	1,225 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	359,806 sqft (8.26 acres)
Lot Width	511 ft Width
Garage Type	Mixed
Garage Area	3,336 sqft
Parking Spaces	12 Parking Spaces
Porch	Slab
Porch Area	390 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000007854
Street Address	554 SUMMIT RD
City	APALACHIN
State	NY
Zip	13732-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	51.012
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	3
Census Block	3024
Census Tract	20401

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	554 SUMMIT RD, APALACHIN, NY 13732-1204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU
Sep 28, 2018	Deed of Trust, Mortgage TIOGA STATE BANK
Sep 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2003 · Amount on Record
Deed Sale	Oct 10, 2003 · Amount on Record
Deed Book / Page	10209 / 9001
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	554 SUMMIT RD, APALACHIN, NY 13732-1204
Transaction Type	Mortgage
Record Updated	Apr 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000001243
Date	Mar 16, 2022
Instrument	20220-00001243

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	554 SUMMIT RD, APALACHIN, NY 13732-1204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18000004181
Date	Sep 28, 2018
Instrument	180-00004181

Lender

Name	TIOGA STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	554 SUMMIT RD, APALACHIN, NY 13732-1204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020000003297
Date	Sep 2, 2020
Instrument	20200-00003297

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$11,724.00 Homeowner's exemption
2025		$232,200 (-) Land $14,800 Building $217,400	$444,402 (+3.35%) Land $28,325 Building $416,077
2023		$232,200 Land $14,800 Building $217,400	$430,000 Land $27,407 Building $402,593

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	118 (1979–2011)
Claims Outside the SFHA	35 of 118
Most Recent Claim	Sep 2011 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 50 claims Severe Storms And Flooding, Jun 2006 · 50 claims Tropical Depression Ivan, Sep 2004 · 2 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Zeta Broadband.

Nearby Properties on Summit Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures