Tioga County and Spencer Town property record for 40 William St, Spencer, NY 14883
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,000 sqft · built 1984 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Mar 2009) |
| Tax Bill | $4,874 (2026) |
| Deeds & Mortgages | Mar 2017 Mortgage Mar 2009 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 493489 57.10-1-1 |
| Primary APN | 493489 57.10-1-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,000 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 169 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 216 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000000603 |
|---|---|
| Street Address | 40 WILLIAM ST |
| City | SPENCER |
| State | NY |
| Zip | 14883-9306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 40 WILLIAM ST, SPENCER, NY 14883-9306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2017 | Deed of Trust, Mortgage TIOGA COUNTY DEPT OF SOCIAL SERVICES |
| Mar 23, 2009 | Deed, Transfer · USDA Mortgage USDA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 2009 · Amount on Record |
| Deed Sale | Mar 23, 2009 · Amount on Record |
| Prior Sale | Mar 20, 2009 · Amount on Record |
| Deed Book / Page | 16637 / 4001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 40 WILLIAM ST, SPENCER, NY 14883-9306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 17000001133 |
|---|---|
| Date | Mar 20, 2017 |
| Instrument | 170-00001133 |
| Name | TIOGA COUNTY DEPT OF SOCIAL SERVICES |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Mar 23, 2009 |
| Property Address | 40 WILLIAM ST, SPENCER, NY 14883-9306 |
| Document Number | 0000016637/0000004001 |
| Book / Page | 0000016637 / 0000004001 |
| Instrument Date | Mar 20, 2009 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | KATRINA MEDEIROS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0166374002 |
|---|---|
| Date | Mar 23, 2009 |
| Instrument | 0166374002 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 370 Months |
| Due | Jan 1, 2040 |
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 | $4,874.00 (+2.46%) Homeowner's exemption | ||
| 2025 | $4,757.00 (+134.8%) | $135,000 (-) Land $16,200 Building $118,800 | $192,857 (+22.86%) Land $23,143 Building $169,714 |
| 2023 | $135,000 Land $16,200 Building $118,800 | $156,977 Land $18,837 Building $138,140 | |
| 2019 | $2,026.00 |
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 5 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 |
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