Tioga County and Spencer Town property record for 32 William St, Spencer, NY 14883
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,476 sqft · built 1973 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $184,370 (Aug 2019) |
| Tax Bill | $6,137 (2026) |
| Deeds & Mortgages | Sep 2025 Refinance Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 493489 57.10-1-43 |
| Primary APN | 493489 57.10-1-43 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,476 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 23,087 sqft (0.53 acres) |
| Lot Dimensions | 161 ft deep x 145 ft wide |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 980 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000000961 |
|---|---|
| Street Address | 32 WILLIAM ST |
| City | SPENCER |
| State | NY |
| Zip | 14883-9306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Description | DEED DATE 04-30-96 |
| Legal Block | 1 |
| Legal Lot Number | 43.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 20701 |
Source: Tioga County and Spencer Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 32 WILLIAM ST, SPENCER, NY 14883-9306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU |
| Aug 19, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage LAND-HOME FINANCIAL SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on Record |
| Deed Sale | Aug 19, 2019 · Amount on Record |
| Prior Sale | Aug 2, 2016 · Amount on Record |
| Deed Document Number | 20193227 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 32 WILLIAM ST, SPENCER, NY 14883-9306 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Name | Verified Name |
|---|
| Document Number | 202500003380 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 2025-00003380 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Aug 19, 2019 |
| Property Address | 32 WILLIAM ST, SPENCER, NY 14883-9306 |
| Document Number | 2019000003227 |
| Instrument Date | Aug 5, 2019 |
| Instrument | 20190-00003227 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13 KELLY RD UNIT 2B, 2B, LOCKWOOD, NY 14859-9690 |
| Document Number | 19000003228 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 190-00003228 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 19000003227 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 190-00003227 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
Source: Tioga County and Spencer Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tioga County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-Van Etten Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,137.00 (+2.44%) | ||
| 2025 | $5,991.00 (+181.53%) | $170,000 (-) Land $16,900 Building $153,100 | $242,857 (+22.86%) Land $24,143 Building $218,714 |
| 2023 | $170,000 Land $16,900 Building $153,100 | $197,674 Land $19,651 Building $178,023 | |
| 2019 | $2,128.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 31, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 14 (1998–2021) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Aug 2021 · Remnants Of Tropical Storm Fred |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Haefele Connect Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures