58 Lori Dr, Apalachin, NY 13732 Property Records

Tioga County and Owego Town property record for 58 Lori Dr, Apalachin, NY 13732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,917 sqft · built 1994
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Nov 2009)
Tax Bill	$12,192 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Jul 2012 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`493089 153.16-1-2.14`

Property Details

APN / Parcel Number

Primary APN	`493089 153.16-1-2.14`
Alternative APNs	`308915301600010020140000` `00000008127`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,917 sqft Living Area
1st Floor Area	1,077 sqft
2nd Floor Area	765 sqft
Upper Floors Area	75 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	34,848 sqft (0.8 acres)
Lot Dimensions	228 ft deep x 153 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	304 sqft
Patio Area	160 sqft
Canopy	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000008127
Street Address	58 LORI DR
City	APALACHIN
State	NY
Zip	13732-3903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Description	DEED REF: 603/86
Legal Block	1
Legal Lot Number	2.014
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	3
Census Block	3007
Census Tract	20402

Owner

58 Lori Dr is owned and occupied by an individual who bought it in November 2009.

Source: Tioga County and Owego Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	58 LORI DR, APALACHIN, NY 13732-3903
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) COMMUNITY BANK NA
Jul 20, 2012	Deed of Trust, Mortgage COMMUNITY BANK NA
Jun 26, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance NBT BANK NATIONAL ASSOCIATION
May 2, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance NBT BANK NATIONAL ASSOCIATION
Nov 25, 2009	Deed, Transfer RBS CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2009 · Amount on File
Deed Sale	Nov 25, 2009 · Amount on File
Prior Sale	May 24, 1996 · Amount on File
Deed Book / Page	17409 / 6001
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	58 LORI DR, APALACHIN, NY 13732-3903
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000001176
Date	Apr 4, 2023
Instrument	20230-00001176

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	73 Months
Due	May 1, 2029

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	58 LORI DR, APALACHIN, NY 13732-3903
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200724001
Date	Jul 20, 2012
Instrument	0200724001

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	174 Months
Due	Jan 1, 2027

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	58 LORI DR, APALACHIN, NY 13732-3903
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	INDEPENDENT TITLE, INDEPENDENT TITLE AGY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500002181
Date	Jun 26, 2025
Instrument	2025-00002181

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	58 LORI DR, APALACHIN, NY 13732-3903
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500001491
Date	May 2, 2025
Instrument	2025-00001491

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA NY
Recording Date	Nov 25, 2009
Property Address	58 LORI DR, APALACHIN, NY 13732-3903
Document Number	0000017409/0000006001
Book / Page	0000017409 / 0000006001
Instrument Date	Nov 16, 2009
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	COUGHLIN & GERHART, LLP KLIN

Transaction

Amount	Amount on Record
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	58 LORI DR, APALACHIN, NY 13732-3903

Mortgage

Document Number	0174096002
Date	Nov 25, 2009
Instrument	0174096002

Lender

Name	RBS CITIZENS BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	314 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 58 Lori Dr was $12,192, down 0.3% from the year before.

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	Vestal Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,192.00 (-0.29%)
2025	$12,228.00	$217,900 Land $21,400 Building $196,500	$417,033 Land $40,957 Building $376,076
2023		$217,900 Land $21,400 Building $196,500	$403,519 Land $39,630 Building $363,889
2019	$4,417.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 58 Lori Dr in Zone X, an area of minimal flood risk, though there have been 95 flood claims nearby since 1983.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	95 (1983–2018)
Claims Outside the SFHA	28 of 95
Most Recent Claim	Aug 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2018 · 37 claims Remnants Of Tropical Storm Lee, Sep 2011 · 44 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

Wildfire risk around 58 Lori Dr is low, with a 0.01% annual chance of 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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