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582 E Main St, Owego, NY, 13827

2beds
1baths
1,440sqft
$140,000
$97price/sqft
$1,258/moest. monthly cost
$50,320/yrincome needed

About This Home

Beautiful 2 bed 1 bath home sitting on half an acre lot with fence on three sides of the property. Property includes a basketball court, huge deck for hosting or lounging, and a large backyard for kids and pets. Inside you’ll find a recently renovated kitchen with upgraded lighting and cabinets, a spacious family room and entry room, and first floor laundry. Bathroom has been recently renovated and updated. Upstairs has two bedrooms, perfect for small families. Basement contains all utilities and has a new hot water heater, recently serviced furnace, and new sump pump.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

4/10
Owego Elementary SchoolGrades PK-51.5 mi
3/10
6/10
Owego Free AcademyGrades 9-121.6 mi

Construction

Condition

  • Year built: 1910

Materials

  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Tile,Carpet,Laminate,Linoleum / Vinyl

Heating

  • Heating features: Forced air,Gas

Interior Area

  • Total interior livable area: 1,440 sqft

Property

Details

  • Parcel number: 49300111818120

Features

  • Exterior features: Wood

Lot

  • Lot size: 0.50 Acres

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 FloodingVery High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
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 $707$8,484
Home Insurance *$65$780
Property Taxes $240$2,880
Electricity $246$2,954
Total$1,258$15,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,131/yr
40% on housing$37,740/yr
45% on housing$33,546/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

$97This listing

vs Other Active Listings

Avg $/sqft

ZIP 13827$82
Tioga County$106

vs Homes Sold Last Month

Median $/sqft

ZIP 13827$132
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
2026-05-26Listed for sale$140,000
2021-10-26Listing removed--
2021-07-13Listed for sale$110,000
2019-08-02Listing removed$62,900
2019-08-01Pending sale$62,900
2019-07-31Sold$58,500
2019-07-09Listed for sale$62,900
2019-07-09Pending sale$62,900
2019-02-05Price change$62,900
2018-11-29Price change$64,900
2018-10-31Listed for sale$69,900
2011-03-18Sold$52,000
2010-06-18Sold$500

For Sale by Owner

AgentProperty Owner

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