Tioga County and Owego Town property record for 98 Temple St, Owego, NY 13827
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 1,707 sqft · built 1865 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Dec 2011) |
| Tax Bill | $3,360 (2026) |
| Deeds & Mortgages | Dec 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 493001 128.08-4-4 |
| Primary APN | 493001 128.08-4-4 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,707 sqft Gross Area |
| Basement Area | 726 sqft |
| Unfinished Basement | 726 sqft |
| Year Built | Built 1865 |
|---|---|
| Effective Year Built | Effective 1865 |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 97 ft deep x 31 ft wide |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00000001420 |
|---|---|
| Street Address | 98 TEMPLE ST |
| City | OWEGO |
| State | NY |
| Zip | 13827-1419 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | ZONE |
| Legal Description | AGREEMENT: 626/20 |
| Legal Block | 4 |
| Legal Lot Number | 4.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | OWEGO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20500 |
98 Temple St, a commercial property, is owned and occupied by an individual who bought it in December 2011.
Source: Tioga County and Owego Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 69 HALSEY VALLEY RD, BARTON, NY 13734-1504 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2011 · Amount on File |
| Deed Sale | Dec 1, 2011 · Amount on File |
| Prior Sale | Dec 18, 2006 · Amount on File |
| Deed Book / Page | 19398 / 8001 |
| Prior Transfer Date | Dec 12, 2006 |
| Prior Transfer Doc | 0000013961/000000900 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 98 TEMPLE ST, OWEGO, NY 13827-1419 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020000004821 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 20200-00004821 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 253 Months |
| Due | Jan 1, 2042 |
The 2026 property tax bill for 98 Temple St was $3,360 with a homeowner's exemption, up 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 |
| Municipality | Owego Village |
| Unified School District | Owego-Apalachin Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,360.00 (+0.96%) Homeowner's exemption | ||
| 2025 | $3,328.00 | $52,000 Land $15,000 Building $37,000 | $99,522 Land $28,708 Building $70,814 |
| 2023 | $52,000 Land $15,000 Building $37,000 | $96,296 Land $27,778 Building $68,518 | |
| 2019 | $1,731.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Temple St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 93 policies |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 205 (1979–2020) |
| Claims Outside the SFHA | 16 of 205 |
| Most Recent Claim | Dec 2020 · river or lake flooding |
| Claims by Event |
|
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 98 Temple St 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA OF OWEGO private · serves 4,850 people · EPA ID NY5304409 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
May also be available: Empire Long Distance, T-Mobile, Verizon.
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