581 W Miller Beach Rd, Owego, NY, 13827
About This Home
Escape to your own private waterfront retreat with this charming two bedroom, one bath cottage nestled along the scenic Susquehanna River. Overlooking Hiawatha Island, this peaceful property offers breathtaking views and the feeling of a secluded getaway while still being close to everyday conveniences. Inside, you'll find an inviting open concept living room and kitchen, highlighted by vaulted ceilings that create a bright, spacious atmosphere perfect for relaxing or entertaining. Step outside to the expansive wraparound front porch, where you can sip your morning coffee, unwind with an evening sunset, or simply take in the tranquil sounds and sights of the river. Whether you're looking for a full-time residence, a weekend escape, or an Air BnB venture, this home delivers the perfect blend of comfort and nature. The property also features a detached two-car garage and an additional carport, providing ample space for vehicles, storage, and outdoor gear.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1996
Materials
- Foundation: Pillar/Post/Pier,Slab
- Construction materials: Hardboard
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Free-Standing Range,Microwave,Propane Water Heater,Refrigerator,Washer
- Laundry features: Washer Hookup,Dryer Hookup
Bathroom
- Level: First
- Dimensions: 11.25 X 12.25
Bedroom
- Level: First
- Dimensions: 12.75 X 11.25
Bedroom
- Level: First
- Dimensions: 11.5 X 12.75
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: First
- Dimensions: 8.5 X 12.75
Features
- Cathedral Ceiling(s),Vaulted Ceiling(s)
- Flooring: Carpet,Tile,Vinyl
- Number of fireplaces: 1
- Fireplace features: Living Room,Pellet Stove
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,069
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Ceiling Fan(s),Wall/Window Unit(s)
Interior Area
- Total interior livable area: 1,069 sqft
Kitchen
- Level: First
- Dimensions: 16.25 X 12.75
Living Room
- Level: First
- Dimensions: 14.5 X 15.5
Property
Details
- Parcel number: 49308912900224
Features
- Patio & porch: Covered,Deck,Open,Porch
- Exterior features: Deck,Landscaping,Porch
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: River Front
Lot
- Lot size: 0.39 Acres
- Features: Level,Views,Wooded
- Lot size dimensions: 88 x 192
Parking
- Total spaces: 2
- Parking features: Carport,Detached,Garage,Two Car Garage,Two Spaces
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Lightning
- Cold Wave
- Ice Storm
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Tioga County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,061 | $12,732 |
| Home Insurance * | $98 | $1,176 |
| Property Taxes | $360 | $4,320 |
| Electricity | $246 | $2,954 |
| Total | $1,765 | $21,180 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Contingent | $210,000 |
| 2026-07-28 | Listed for sale | $210,000 |
| 2023-07-13 | Sold | $140,000 |
| 2023-05-10 | Contingent | $149,900 |
| 2023-05-03 | Listed for sale | $149,900 |
| 2022-08-06 | Listing removed | -- |
| 2022-06-15 | Contingent | $149,900 |
| 2022-05-14 | Listed for sale | $149,900 |
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