Tioga County and Owego Town property record for 740 Carmichael Rd, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1965 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,762 (2026) |
| Deeds & Mortgages | Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 493089 118.00-1-32 |
| Primary APN | 493089 118.00-1-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 1,256 sqft |
| Game Room | Game Room |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 175 ft deep x 100 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 294 sqft |
| Shed | 1 Shed |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000011853 |
|---|---|
| Street Address | 740 CARMICHAEL RD |
| City | OWEGO |
| State | NY |
| Zip | 13827-3314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 32.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 20300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 740 CARMICHAEL RD, OWEGO, NY 13827-3314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 740 CARMICHAEL RD, OWEGO, NY 13827-3314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 18000004374 |
|---|---|
| Date | Oct 12, 2018 |
| Instrument | 180-00004374 |
| Name | VISIONS FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.88% |
| Type Change Date | Nov 1, 2033 |
Source: Tioga County and Owego Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tioga County |
| County Subdivision | Owego Town |
| Unified School District | Owego-Apalachin Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,762.00 (-0.08%) | ||
| 2025 | $3,765.00 (+155.77%) | $74,100 (-) Land $5,100 Building $69,000 | $141,818 (+3.35%) Land $9,761 Building $132,057 |
| 2023 | $74,100 Land $5,100 Building $69,000 | $137,222 Land $9,444 Building $127,778 | |
| 2019 | $1,472.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 2 (1979–1984) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 1984 · tidal / storm surge |
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.
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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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