Tioga County and Spencer Town property record for 431 E Spencer Rd, Spencer, NY 14883
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,872 sqft · built 1900 |
| Lot Size | 53.7 acres (2,341,786 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,184 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 493489 70.00-2-1 |
| Primary APN | 493489 70.00-2-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 3 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| 2nd Floor Area | 384 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 2,341,786 sqft (53.7 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 100 sqft |
| Shed | 1 Shed |
| Pole Barn | Pole Barn |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000000403 |
|---|---|
| Street Address | 431 E SPENCER RD |
| City | SPENCER |
| State | NY |
| Zip | 14883-9510 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | ZONE |
| Legal Description | OIL & GAS LEASE 04-17-00 |
| Legal Block | 2 |
| Legal Lot Number | 1.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20701 |
431 E Spencer Rd, a residential property, is owned and occupied by two individuals.
Source: Tioga County and Spencer Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 E SPENCER RD, SPENCER, NY 14883-9510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 431 E Spencer Rd was $7,184, up 2.4% from the year before.
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 | $7,184.00 (+2.44%) | ||
| 2025 | $7,013.00 | $199,000 Land $100,600 Building $98,400 | $284,286 Land $143,714 Building $140,572 |
| 2023 | $199,000 Land $100,600 Building $98,400 | $231,395 Land $116,977 Building $114,418 | |
| 2019 | $2,741.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 E Spencer Rd in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 1981.
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 File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 32 (1981–2018) |
| Claims Outside the SFHA | 7 of 32 |
| Most Recent Claim | Sep 2018 · other causes |
| 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.
Wildfire risk around 431 E Spencer Rd is low, with a 0.01% annual chance of wildfire.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Haefele Connect Fiber | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
4G LTE (outdoors only), no 5G reported
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