649 Gardner Rd, Apalachin, NY 13732 Property Records

Tioga County and Owego Town property record for 649 Gardner Rd, Apalachin, NY 13732

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1960
Lot Size	5.6 acres (243,936 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,317 (2026)
Deeds & Mortgages	Aug 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`493089 164.00-3-7`

Property Details

APN / Parcel Number

Primary APN	`493089 164.00-3-7`
Alternative APNs	`308916400000030070000000` `00000005252`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	243,936 sqft (5.6 acres)
Lot Dimensions	520 ft deep x 606 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	304 sqft
Patio Area	512 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000005252
Street Address	649 GARDNER RD
City	APALACHIN
State	NY
Zip	13732-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	3
Legal Lot Number	7.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	2
Census Block	2001
Census Tract	20401

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	649 GARDNER RD, APALACHIN, NY 13732-2713
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 15, 2023
Transfer Doc	0000003018
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Aug 18, 2023
Property Address	649 GARDNER RD, APALACHIN, NY 13732-2713
Document Number	2023000003018
Instrument Date	Aug 15, 2023
Instrument	20230-00003018
Transaction Type	Transfer
Record Updated	Sep 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 GARDNER RD, APALACHIN, NY 13732-2713

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	$4,317.00 (-0.3%) Homeowner's exemption
2025	$4,330.00 (+153.66%)	$85,500 (-) Land $21,200 Building $64,300	$163,636 (+3.35%) Land $40,574 Building $123,062
2023		$85,500 (-) Land $21,200 Building $64,300	$158,333 (+14.81%) Land $39,259 Building $119,074
2022		$85,500 Land $21,200 Building $64,300	$137,903 Land $34,193 Building $103,710
2019	$1,707.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1983–2018)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Aug 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2018 · 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30