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431 Spaulding St, Waverly, NY 14892 Property Records

Tioga County and Barton Town property record for 431 Spaulding St, Waverly, NY 14892

Property Summary

Property TypeApartments (5+ Units)
Details2,152 sqft · built 1920
Lot Size0.07 acres (3,049 sqft)
OwnerCompany Name on Record
Last Sale$250,000 (May 2024)
Tax Bill$3,637 (2026)
Deeds & MortgagesFeb 2026 Mortgage
May 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN492001 166.19-4-15

Property Details

APN / Parcel Number

Primary APN492001 166.19-4-15
Alternative APNs
  • 200116601900040150000000
  • 00000001564

Interior

Units4 Units
Stories2 Stories
Building Area2,152 sqft Gross Area

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Lot Area3,049 sqft (0.07 acres)
Lot Dimensions94 ft deep x 55.3 ft wide
PorchSlab
Porch Area141 sqft

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number00000001564
Street Address431 SPAULDING ST
CityWAVERLY
StateNY
Zip14892-1551
Property CategoryResidential
Property TypeResidential > Multi-Unit > Apartments (5+ Units)
Local Zoning CodeZONE
Legal DescriptionAGREEMENT 615/47
Legal Block4
Legal Lot Number15.000
JurisdictionTIOGA NY
Township / Civil DivisionBARTON
Census Block Group3
Census Block3029
Census Tract20703

Owner

Source: Tioga County and Barton 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 RecordCompany Name on Record
Mailing Address121 FORDHAM ST, SAYRE, PA 18840-2310
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Feb 6, 2026Deed of Trust, Mortgage · Conventional Mortgage
PS BANK
May 30, 2018Warranty Deed, Transfer
CITIZENS & NORTHERN BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 21, 2024 · Amount on Record
Deed SaleMay 21, 2024 · Amount on Record
Prior SaleMay 30, 2018 · Amount on Record
Deed Document Number202420240-00001746
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionTIOGA NY
Property Address431 SPAULDING ST, WAVERLY, NY 14892-1551
Transaction TypeMortgage
Record UpdatedMar 4, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202600000484
DateFeb 6, 2026
Instrument2026-00000484
Lender
NamePS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionTIOGA NY
Recording DateMay 30, 2018
Property Address431 SPAULDING ST, WAVERLY, NY 14892-1551
Document Number18000002259
Instrument DateMay 17, 2018
Instrument180-00002259
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address488 CAYUTA AVE, WAVERLY, NY 14892-1507

Mortgage

Document Number18000002260
DateMay 30, 2018
Instrument180-00002260
Lender
NameCITIZENS & NORTHERN BANK
TypeBank
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Tioga County and Barton Town assessment roll, as of May 15, 2026

Property Jurisdictions

TypeName
StateNew York
CountyTioga County
County SubdivisionBarton Town
MunicipalityWaverly Village
Unified School DistrictWaverly Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,637.00 (-24.48%)
2025$4,816.00 (+302.68%)$68,000 (-) Land $6,500 Building $61,500$120,996 (+6.76%) Land $11,566 Building $109,430
2023$68,000 Land $6,500 Building $61,500$113,333 Land $10,833 Building $102,500
2019$1,196.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 31, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 14 policies
Nearby Flood Policies14 in force
Nearby Flood Claims4 (1993–2011)
Claims Outside the SFHA1 of 4
Most Recent ClaimSep 2011 · Remnants Of Tropical Storm Lee

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWAVERLY VILLAGE
serves 4,830 people · EPA ID NY5304410
Water SourceGroundwater
Last State InspectionJun 2025
Lead3 ppb (2020–2022)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Empire Long Distance
Fiber		1,000 / 100
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Zeta Broadband.

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