469 E Spencer Rd, Spencer, NY 14883 Property Records

Tioga County and Spencer Town property record for 469 E Spencer Rd, Spencer, NY 14883

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 1.5 ba · 2,248 sqft · built 1978
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$228,000 (Jan 2024)
Tax Bill	$5,330 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`493489 59.00-1-13.10`

Property Details

APN / Parcel Number

Primary APN	`493489 59.00-1-13.10`
Alternative APNs	`348905900000010130100000` `00000000430`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,248 sqft Living Area
1st Floor Area	1,384 sqft
2nd Floor Area	864 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1980
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	435,600 sqft (10 acres)
Garage Type	Detached
Garage Area	1,792 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	244 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000430
Street Address	469 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 Block	1
Legal Lot Number	13.010
Jurisdiction	TIOGA NY
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3000
Census Tract	20701

Owner

469 E Spencer Rd, a residential property, is owned and occupied by an individual who bought it in January 2024.

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	Individual Name on File
Mailing Address	469 E SPENCER RD, SPENCER, NY 14883-9510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK
Aug 22, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2024 · Amount on File
Deed Sale	Jan 3, 2024 · Amount on File
Prior Sale	Jul 27, 2016 · Amount on File
Deed Document Number	202424
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIOGA NY
Recording Date	Jan 3, 2024
Property Address	469 E SPENCER RD, SPENCER, NY 14883-9510
Document Number	2024000000024
Instrument Date	Dec 28, 2023
Instrument	20240-00000024
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 BRIDGE ST, CORNING, NY 14830-1949

Mortgage

Document Number	24000000025
Date	Jan 3, 2024
Instrument	240-00000025

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	VA Mortgage
Amount	Amount on Record

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA NY
Property Address	469 E SPENCER RD, SPENCER, NY 14883-9510
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000003067
Date	Aug 22, 2023
Instrument	20230-00003067

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 469 E Spencer Rd was $5,330 with exemptions applied, down 5.7% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Tioga County
County Subdivision	Spencer Town
Unified School District	Candor Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,330.00 (-5.75%) Disabled Person's exemption Veteran's exemption
2025	$5,655.00	$150,000 Land $35,000 Building $115,000	$214,286 Land $50,000 Building $164,286
2023		$122,800 (-) Land $35,000 Building $87,800	$142,791 (+16.28%) Land $40,698 Building $102,093
2022		$122,800 Land $35,000 Building $87,800	$122,800 Land $35,000 Building $87,800
2019	$1,753.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 469 E Spencer Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Remnants Of Tropical Storm Lee, Sep 2011 · 13 claims Severe Storms And Flooding, Jan 1996 · 6 claims

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

Wildfire risk around 469 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.

Internet Providers

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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