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198 Owego St, Candor, NY, 13743

4beds
3baths
2,136sqft
$199,000
$93price/sqft
$1,805/moest. monthly cost
$72,200/yrincome needed

About This Home

Great opportunity to own a 3 unit property, fully rented on a great location on Route 96, convenient to Ithaca and Owego. All 3 apartments are in great condition with a one bedroom unit being fully remodeled recently. Two apartments have washer and dryer hookups. Separate electric and gas meters per unit. Plenty of parking area and a nice yard. Contact me for additional information on this property. 24 hour notice required before showings.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

3/10
Candor Elementary SchoolGrades PK-60.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1885

Materials

  • Foundation: Block,Poured
  • Roof: Asphalt
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Triplex
  • Property subType: Triplex,Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Basement: Crawl Space,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Carpet,Laminate,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 2,136
  • Total interior livable area: 2,136 sqft

Property

Details

  • Parcel number: 49240106101400010410000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Fence
  • Fencing: Partial

Lot

  • Lot size: 0.30 Acres
  • Features: Corner Lot,Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 115 x 105

Parking

  • Parking features: Gravel,Parking Available,Two or More Spaces,Unpaved

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
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Tioga County and New York

Flood
Severe Storm

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

MonthlyAnnual
Mortgage $1,006$12,072
Home Insurance *$106$1,272
Property Taxes $341$4,092
Electricity $352$4,235
Total$1,805$21,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,885/yr
40% on housing$54,150/yr
45% on housing$48,133/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: 2.6%
2.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 13743$116
Tioga County$106

vs Homes Sold Last Month

Median $/sqft

ZIP 13743$122
Tioga County$151

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

DateEventPrice
2026-03-04Price change$201,900
2025-09-17Listed for sale$209,900
2024-08-29Sold$135,000
2024-07-16Pending sale$135,000
2024-07-09Listed for sale$135,000
2020-12-16Sold$72,000

For Sale by Agent

AgentMarissa Makie
BrokerageBerkshire Hathaway HomeServices Heritage Realty

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