Welcome to 99 Main St—offering the best of both worlds in the heart of downtown Owego. Enjoy walkable access to shops, restaurants, and village charm, all while benefiting from a property that did NOT flood and does NOT require flood insurance (confirmed w/ State Farm). This well-maintained 3-bedroom, 2.5-bath home features approximately 2,100 sq ft of living space, blending classic character with modern updates. Bright, inviting interiors, generous room sizes, and a flexible layout provide comfort and functionality. Recent updates include two renovated bathrooms, including a private en-suite off the primary bedroom. Additional highlights include affordable taxes and an expansive, flat, fully fenced yard with electric fence, complemented by beautiful landscaping, an open deck, a large carport, and a detached 2-car garage—an exceptional outdoor setup rarely found in this location. A unique opportunity to own a move-in ready home in a prime setting without the typical flood zone concerns