Tioga County and Owego Town property record for 557 E Front St, Owego, NY 13827 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,864 sqft · built 1880 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (Jan 2022) |
| Tax Bill | $2,579 (2025) |
| Deeds & Mortgages | Jan 2024 Refinance Jan 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 493001 118.18-1-27 |
| Primary APN | 493001 118.18-1-27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,864 sqft Living Area |
| 1st Floor Area | 1,106 sqft |
| 2nd Floor Area | 758 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 155 ft deep x 66 ft wide |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Porch | Slab |
| Porch Area | 180 sqft |
| Canopy | 180 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00000001233 |
|---|---|
| Street Address | 557 E FRONT ST |
| City | OWEGO |
| State | NY |
| Zip | 13827-1232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 27.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 20500 |
Source: Tioga County and Owego Town records · APN 493001 118.18-1-27
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 557 E FRONT ST, OWEGO, NY 13827-1232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP |
| Jan 13, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage VISIONS FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 13, 2022 · Amount on Record |
| Deed Sale | Jan 13, 2022 · Amount on Record |
| Prior Sale | Jan 10, 2012 · Amount on Record |
| Deed Document Number | 2022-00000230 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 557 E FRONT ST, OWEGO, NY 13827-1232 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2024000000130 |
|---|---|
| Date | Jan 12, 2024 |
| Instrument | 20240-00000130 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Jan 13, 2022 |
| Property Address | 557 E FRONT ST, OWEGO, NY 13827-1232 |
| Document Number | 2022000000230 |
| Instrument Date | Dec 23, 2021 |
| Instrument | 20220-00000230 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 700 WARREN 141F RD, 141F, ITHACA, NY 14850-1256 |
| Document Number | 22000000231 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 220-00000231 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Tioga County and Owego Town records · Assessment roll updated May 15, 2026 · Last verified May 2026
| 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,579.00 (+92.32%) | $40,300 (-) Land $9,600 Building $30,700 | $77,129 (+3.35%) Land $18,373 Building $58,756 |
| 2023 | $40,300 Land $9,600 Building $30,700 | $74,630 Land $17,778 Building $56,852 | |
| 2019 | $1,341.00 |
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
| 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 |
|
| 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.
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.
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