Tioga County and Spencer Town property record for 439 E Spencer Rd, Spencer, NY 14883
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,396 sqft · built 1830 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $72,000 (Jul 2015) |
| Tax Bill | $2,953 (2026) |
| Deeds & Mortgages | Mar 2023 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 493489 59.00-1-14 |
| Primary APN | 493489 59.00-1-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,396 sqft Living Area |
| 1st Floor Area | 864 sqft |
| 2nd Floor Area | 532 sqft |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 261,360 sqft (6 acres) |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 320 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000001130 |
|---|---|
| Street Address | 439 E SPENCER RD |
| City | SPENCER |
| State | NY |
| Zip | 14883-9510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 14.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20701 |
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 Record |
|---|---|
| Mailing Address | 439 E SPENCER RD, SPENCER, NY 14883-9510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2015 · Amount on Record |
| Deed Sale | Jul 29, 2015 · Amount on Record |
| Deed Book / Page | 15000 / 2867 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 439 E SPENCER RD, SPENCER, NY 14883-9510 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023000000878 |
|---|---|
| Date | Mar 9, 2023 |
| Instrument | 20230-00000878 |
| Name | TIOGA STATE BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2038 |
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 | $2,953.00 (+2.46%) | ||
| 2025 | $2,882.00 (+119.33%) | $81,800 (-) Land $29,000 Building $52,800 | $116,857 (+22.86%) Land $41,429 Building $75,428 |
| 2023 | $81,800 Land $29,000 Building $52,800 | $95,116 Land $33,721 Building $61,395 | |
| 2019 | $1,314.00 |
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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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 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.
5G and 4G LTE (outdoors only)
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