7 Gail Dr, Owego, NY 13827 Property Records

Tioga County and Tioga Town property record for 7 Gail Dr, Owego, NY 13827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1957
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (May 2022)
Tax Bill	$3,990 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`493600 128.09-1-10`

Property Details

APN / Parcel Number

Primary APN	`493600 128.09-1-10`
Alternative APNs	`360012800900010100000000` `00000000416`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	140 ft deep x 108 ft wide
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	316 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00000000416
Street Address	7 GAIL DR
City	OWEGO
State	NY
Zip	13827-1090
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Description	DEED DATE 11/24/98
Legal Block	1
Legal Lot Number	10.000
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	Individual Name on Record
Mailing Address	7 GAIL DR, OWEGO, NY 13827-1090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PLAZA HOME MORTGAGE INC
Nov 4, 2020	Warranty Deed, Transfer · Stand-Alone Refinance VISIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2022 · Amount on Record
Deed Sale	May 23, 2022 · Amount on Record
Prior Sale	Jul 8, 2009 · Amount on Record
Deed Document Number	20222318
Prior Transfer Date	Oct 28, 2020
Prior Transfer Doc	0000004404
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	May 23, 2022
Property Address	7 GAIL DR, OWEGO, NY 13827-1090
Document Number	2022000002318
Instrument Date	May 20, 2022
Instrument	20220-00002318
Transaction Type	Transfer
Record Updated	Jun 14, 2022

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
Address	180 NEIGER HOLLOW RD, BARTON, NY 13734-1402

Mortgage

Document Number	22000002319
Date	May 23, 2022
Instrument	220-00002319

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Nov 4, 2020
Property Address	7 GAIL DR, OWEGO, NY 13827-1090
Document Number	2020000004404
Instrument Date	Oct 28, 2020
Instrument	20200-00004404
Transaction Type	Transfer
Record Updated	Nov 16, 2022

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

Mortgage

Document Number	2020000004405
Date	Nov 4, 2020
Instrument	20200-00004405

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$3,990.00 (+0.3%)
2025	$3,978.00 (+173.03%)	$6,800 (-) Land $400 Building $6,400	$158,140 (+4.65%) Land $9,302 Building $148,838
2023		$6,800 Land $400 Building $6,400	$151,111 Land $8,889 Building $142,222
2019	$1,457.00

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	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 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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