Tioga County and Owego Town property record for 931 Carmichael Rd, Owego, NY 13827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,564 sqft · built 1998 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,000 (Jul 1996) |
| Tax Bill | $2,432 (2026) |
| Deeds & Mortgages | Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 493089 107.00-1-47 |
| Primary APN | 493089 107.00-1-47 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,564 sqft Living Area |
| 1st Floor Area | 1,564 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 46,609 sqft (1.07 acres) |
| Porch | Slab |
| Porch Area | 224 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000011905 |
|---|---|
| Street Address | 931 CARMICHAEL RD |
| City | OWEGO |
| State | NY |
| Zip | 13827-3320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 47.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 20300 |
931 Carmichael Rd is owned and occupied by two individuals who bought it in July 1996.
Source: Tioga County and Owego Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 931 CARMICHAEL RD, OWEGO, NY 13827-3320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 1996 · Amount on File |
| Deed Sale | Jul 22, 1996 · Amount on File |
| Deed Book / Page | 585 / 54 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 931 CARMICHAEL RD, OWEGO, NY 13827-3320 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021000006343 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 20210-00006343 |
| Name | CHEMUNG CANAL TRUST CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 469 Months |
| Due | Jan 1, 2061 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 931 Carmichael Rd was $2,432 with a homeowner's exemption, down 0.1% from the year before.
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 | $2,432.00 (-0.08%) Homeowner's exemption | ||
| 2025 | $2,434.00 | $47,900 Land $6,500 Building $41,400 | $91,675 Land $12,440 Building $79,235 |
| 2023 | $47,900 Land $6,500 Building $41,400 | $88,704 Land $12,037 Building $76,667 | |
| 2019 | $951.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 931 Carmichael Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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.
Wildfire risk around 931 Carmichael Rd is low, with a 0.01% annual chance of 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.
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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