64 Gail Dr, Owego, NY 13827 Property Records

Tioga County and Tioga Town property record for 64 Gail Dr, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,380 sqft · built 1957
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,000 (Feb 2026)
Tax Bill	$7,277 (2026)
Deeds & Mortgages	Aug 2016 Mortgage Feb 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`493600 128.09-1-14`

Property Details

APN / Parcel Number

Primary APN	`493600 128.09-1-14`
Alternative APNs	`360012800900010140000000` `00000000705`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	787 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000705
Street Address	64 GAIL DR
City	OWEGO
State	NY
Zip	13827-1057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	14.00
Jurisdiction	TIOGA NY
Township / Civil Division	TIOGA
Census Block Group	2
Census Block	2005
Census Tract	20600

Owner

Source: Tioga County and Tioga 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	2 Individual Names on Record
Mailing Address	547 CASTLEMAN RD, VESTAL, NY 13850-6141
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2016	Deed of Trust, Mortgage VISIONS FEDERAL CREDIT UNION
Feb 4, 2026	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK NA
Aug 15, 2023	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Jun 10, 2022	Warranty Deed, Transfer
Mar 30, 2021	Executor's Deed, Transfer · Stand-Alone First Mortgage VISIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2026 · Amount on Record
Deed Sale	Feb 4, 2026 · Amount on Record
Prior Sale	Aug 15, 2023 · Amount on Record
Deed Document Number	2026452
Record Updated	Oct 29, 2026

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	64 GAIL DR, OWEGO, NY 13827-1057
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16000003240
Date	Aug 12, 2016
Instrument	160-00003240

Lender

Name	VISIONS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	113 Months
Due	Jan 1, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Feb 4, 2026
Property Address	64 GAIL DR, OWEGO, NY 13827-1057
Document Number	202600000452
Instrument Date	Jan 14, 2026
Instrument	2026-00000452
Transaction Type	Transfer
Record Updated	Jul 1, 2026

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
Relationship	Tenants by the Entirety
Address	547 CASTLEMAN RD, VESTAL, NY 13850-6141

Mortgage

Document Number	202600000454
Date	Feb 4, 2026
Instrument	2026-00000454

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Aug 15, 2023
Property Address	64 GAIL DR, OWEGO, NY 13827-1057
Document Number	2023000002942
Instrument Date	Aug 11, 2023
Instrument	20230-00002942
Transaction Type	Transfer
Record Updated	Jun 30, 2026

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
Relationship	Tenants by the Entirety
Address	423 GLENMARY DR, OWEGO, NY 13827-2011

Mortgage

Document Number	23000002943
Date	Aug 15, 2023
Instrument	230-00002943

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 10, 2022
Property Address	64 GAIL DR, OWEGO, NY 13827-1057
Document Number	2022000002634
Instrument Date	Jun 1, 2022
Instrument	20220-00002634
Transaction Type	Transfer
Record Updated	Jun 30, 2026

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
Relationship	Tenants by the Entirety
Address	175 FRONT ST, OWEGO, NY 13827-1821

March 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	TIOGA NY
Recording Date	Mar 30, 2021
Property Address	64 GAIL DR, OWEGO, NY 13827-1057
Document Number	2021000001665
Instrument Date	Mar 12, 2021
Instrument	20210-00001665
Transaction Type	Transfer
Record Updated	Jun 30, 2026

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
Relationship	Tenants by the Entirety
Address	64 GAIL DR, OWEGO, NY 13827-1057

Mortgage

Document Number	21000001666
Date	Mar 30, 2021
Instrument	210-00001666

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Tioga County and Tioga Town assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Tioga County
County Subdivision	Tioga Town
Unified School District	Owego-Apalachin Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,277.00 (+0.32%)
2025	$7,254.00 (+276.24%)	$12,400 (+37.78%) Land $400 Building $12,000	$288,372 (+44.19%) Land $9,302 Building $279,070
2023		$9,000 (-) Land $400 Building $8,600	$200,000 (+22.22%) Land $8,889 Building $191,111
2022		$9,000 Land $400 Building $8,600	$163,636 Land $7,273 Building $156,363
2019	$1,928.00

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
Nearby Flood Claims	1 (2006)
Most Recent Claim	Jun 2006 · Severe Storms And Flooding

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Haefele Connect.

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