649 Middle Rd, Waverly, NY 14892 Property Records

Tioga County and Barton Town property record for 649 Middle Rd, Waverly, NY 14892

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 2003
Lot Size	4.59 acres (199,940 sqft)
Owner	Individual Name on Record
Last Sale	$121,117 (Jun 2023)
Tax Bill	$5,466 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`492089 135.00-1-3.212`

Property Details

APN / Parcel Number

Primary APN	`492089 135.00-1-3.212`
Alternative APNs	`208913500000010032120000` `00000000573`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,160 sqft Living Area
1st Floor Area	2,160 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Lot Area	199,940 sqft (4.59 acres)
Lot Dimensions	410 ft deep x 650 ft wide
Garage Area	768 sqft
Parking Spaces	14 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000000573
Street Address	649 MIDDLE RD
City	WAVERLY
State	NY
Zip	14892-9532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	1
Legal Lot Number	3.212
Jurisdiction	TIOGA NY
Township / Civil Division	BARTON
Census Block Group	2
Census Block	2003
Census Tract	20702

Owner

Source: Tioga County and Barton 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	649 MIDDLE RD, WAVERLY, NY 14892-9532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Jul 31, 2017	Deed of Trust, Mortgage CITIZENS & NORTHERN BANK
Jun 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS & NORTHERN BANK
Apr 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023 · Amount on Record
Deed Sale	Jun 14, 2023 · Amount on Record
Deed Document Number	20232126
Prior Transfer Date	May 26, 2023
Prior Transfer Doc	0000002126
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIOGA NY
Recording Date	Jun 14, 2023
Property Address	649 MIDDLE RD, WAVERLY, NY 14892-9532
Document Number	2023000002126
Instrument Date	May 26, 2023
Instrument	20230-00002126
Transaction Type	Transfer
Record Updated	Jul 4, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 MIDDLE RD, WAVERLY, NY 14892-9532

Mortgage

Document Number	23000002127
Date	Jun 14, 2023
Instrument	230-00002127

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	649 MIDDLE RD, WAVERLY, NY 14892-9532
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17000003207
Date	Jul 31, 2017
Instrument	170-00003207

Lender

Name	CITIZENS & NORTHERN BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	366 Months
Due	Jan 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	649 MIDDLE RD, WAVERLY, NY 14892-9532
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19000002246
Date	Jun 11, 2019
Instrument	190-00002246

Lender

Name	CITIZENS & NORTHERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2034

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	649 MIDDLE RD, WAVERLY, NY 14892-9532
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000001467
Date	Apr 1, 2022
Instrument	20220-00001467

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,466.00 (+2.26%) Homeowner's exemption
2025	$5,345.00 (+94.79%)	$177,800 (-) Land $21,400 Building $156,400	$316,370 (+6.76%) Land $38,078 Building $278,292
2023		$177,800 (-) Land $21,400 Building $156,400	$296,333 (+22.33%) Land $35,667 Building $260,666
2022		$177,800 Land $21,400 Building $156,400	$242,234 Land $29,155 Building $213,079
2019	$2,744.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	45 (1979–2011)
Claims Outside the SFHA	6 of 45
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 9 claims Severe Storms And Flooding, Jun 2006 · 18 claims Tropical Depression Ivan, Sep 2004 · 4 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	0.02% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Haefele Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Middle Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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