97 Pine Knoll Rd, Endicott, NY 13760 Property Records

Tioga County and Owego Town property record for 97 Pine Knoll Rd, Endicott, NY 13760

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,892 sqft · built 1987
Lot Size	1.58 acres (68,825 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Nov 2022)
Tax Bill	$13,067 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`493089 143.13-2-46`

Property Details

APN / Parcel Number

Primary APN	`493089 143.13-2-46`
Alternative APNs	`308914301300020460000000` `00000012130`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,892 sqft Living Area
1st Floor Area	1,928 sqft
2nd Floor Area	1,964 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	68,825 sqft (1.58 acres)
Lot Dimensions	265 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Patio
Porch Area	720 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000012130
Street Address	97 PINE KNOLL RD
City	ENDICOTT
State	NY
Zip	13760-4325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	2
Legal Lot Number	46.000
Jurisdiction	TIOGA NY
Township / Civil Division	OWEGO
Census Block Group	5
Census Block	5002
Census Tract	20300

Owner

97 Pine Knoll Rd is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	97 PINE KNOLL RD, ENDICOTT, NY 13760-4325
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Nov 28, 2022	Warranty Deed, Transfer · VA Mortgage USAA FSB
Aug 9, 2017	Deed of Trust, Mortgage VISIONS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2022 · Amount on File
Deed Sale	Nov 28, 2022 · Amount on File
Prior Sale	Nov 21, 2011 · Amount on File
Deed Document Number	20225264
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Recording Date	Sep 9, 2026
Property Address	97 PINE KNOLL RD, ENDICOTT, NY 13760-4325
Document Number	0000003253
Instrument Date	Sep 1, 2026
Instrument	20263253
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 PINE KNOLL RD, ENDICOTT, NY 13760-4325

Mortgage

Document Number	0000003253,
Date	Sep 9, 2026
Instrument	20263253

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Nov 28, 2022
Property Address	97 PINE KNOLL RD, ENDICOTT, NY 13760-4325
Document Number	2022000005264
Instrument Date	Nov 22, 2022
Instrument	20220-00005264
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	17169 E POWDERHORN AVE, AURORA, CO 80017-2917

Mortgage

Document Number	22000005265
Date	Nov 28, 2022
Instrument	220-00005265

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	97 PINE KNOLL RD, ENDICOTT, NY 13760-4325
Transaction Type	Mortgage
Record Updated	Aug 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 170-00003373
Date	Aug 9, 2017
Instrument	170-00003373

Lender

Name	VISIONS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 97 Pine Knoll Rd was $13,067 with exemptions applied.

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	Union-Endicott Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,067.00 (-0.01%) Disabled Person's exemption Veteran's exemption
2025	$13,068.00	$221,600 Land $26,200 Building $195,400	$424,115 Land $50,144 Building $373,971
2023		$221,600 Land $26,200 Building $195,400	$410,370 Land $48,518 Building $361,852
2019	$5,715.00

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

FEMA maps place 97 Pine Knoll Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1993.

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	11 (1993–2018)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Aug 2018 · other causes
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 4 claims Severe Storms And Flooding, Jun 2006 · 3 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

Wildfire risk around 97 Pine Knoll 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OWEGO WD #2 serves 2,754 people · EPA ID NY5305672
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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