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4 Bowen Ln, Apalachin, NY, 13732

3beds
2baths
2,253sqft
$255,000
$113price/sqft
$2,196/moest. monthly cost
$87,840/yrincome needed

About This Home

Tioga Terrace Ranch with finished lower level In-Law Suite. Popular neighborhood in the Vestal School District. Home features hardwood floors, living room with cozy fireplace, opens to dining room and kitchen w/breakfast nook. Jack and Jill adjoining bath with plenty of storage space. Open deck with fenced in level backyard. Need extra garage space - Detached doube tandem garage delivers! Finished lower level with separate entry to en-law suite with kitchen, living room, full-bath and bedroom. Laundry room, family room and workshop.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
7/10
Vestal Middle SchoolGrades 6-86.0 mi
8/10
Vestal Senior High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Basement
  • Construction materials: Aluminum Siding,Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Exhaust Fan,Free-Standing Range,Gas Water Heater,Microwave,Refrigerator,Washer

Basement

  • Basement: Walk-Out Access

Bathroom

  • Level: First
  • Dimensions: 7 x 11

Bathroom

  • Level: Lower
  • Dimensions: 6 x 7

Bedroom

  • Level: First
  • Dimensions: 12 x 9.5

Bedroom

  • Level: First
  • Dimensions: 12 x 9.5

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: Lower
  • Dimensions: 13 x 11

Dining Room

  • Level: First
  • Dimensions: 11 x 10

Family Room

  • Level: Lower
  • Dimensions: 23 x 13

Features

  • Pull Down Attic Stairs,Workshop
  • Door features: Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas,Living Room,Masonry,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 801
  • Finished area above ground: 1,452

Heating & Cooling

  • Heating features: Baseboard,Zoned
  • Cooling features: Ceiling Fan(s),Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 2,253 sqft

Kitchen

  • Level: First
  • Dimensions: 9 x 8.4

Kitchen

  • Level: Lower
  • Dimensions: 12.8 x 10.5

Laundry

  • Level: Lower
  • Dimensions: 9 x 8

Living Room

  • Level: First
  • Dimensions: 14 x 19

Living Room

  • Level: Lower
  • Dimensions: 13 x 27

Master Bedroom

  • Level: First
  • Dimensions: 12 x 12

Utility Room

  • Level: Lower
  • Dimensions: 14 x 12

Property

Details

  • Parcel number: 49308915400900030660000000

Features

  • Stories: 1
  • Patio & porch: Covered,Deck,Open,Porch
  • Exterior features: Deck,Landscaping,Mature Trees/Landscape,Porch
  • Fencing: Yard Fenced
  • Has view: Yes

Lot

  • Lot size: 0.27 Acres
  • Features: Level,Sloped Up,Views,Landscaped
  • Lot size dimensions: 90 x 0

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached,Electricity,Garage,Two Car Garage,Garage Door Opener,Oversized,Parking Space(s),Tandem,Water Available
  • 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
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
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 $1,289$15,468
Home Insurance *$98$1,176
Property Taxes $437$5,244
Electricity $372$4,467
Total$2,196$26,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,291/yr
40% on housing$65,880/yr
45% on housing$58,560/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

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 13732$151
Tioga County$106

vs Homes Sold Last Month

Median $/sqft

ZIP 13732$135
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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$255,000
2026-08-10Contingent$255,000
2026-07-30Listed for sale$255,000
2015-04-17Sold$127,659

For Sale by Agent

AgentShannan Crescente
BrokerageEXIT REALTY HOMEWARD BOUND

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