Tioga County and Spencer Town property record for 539 E Spencer Rd, Spencer, NY 14883
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,752 sqft · built 1987 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,472 (2026) |
| Deeds & Mortgages | Jan 2019 Refinance May 2017 Transfer |
| Flood Zone | Zone A (high risk) |
| APN | 493489 59.00-1-12 |
| Primary APN | 493489 59.00-1-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| Upper Floors Area | 400 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 40,946 sqft (0.94 acres) |
| Lot Dimensions | 121 ft deep x 340 ft wide |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 156 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000000575 |
|---|---|
| Street Address | 539 E SPENCER RD |
| City | SPENCER |
| State | NY |
| Zip | 14883-9525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Description | DEED DATE 09-07-00 |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20701 |
539 E Spencer Rd is owned and occupied by two individuals who acquired it in May 2017.
Source: Tioga County and Spencer Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 539 E SPENCER RD, SPENCER, NY 14883-9525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 16, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU |
| May 24, 2017 | Intrafamily Transfer, Transfer NOT AVAILABLE, CHARLES GUTTMAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 16, 2017 |
| Transfer Doc | 0000020170/000000209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 539 E SPENCER RD, SPENCER, NY 14883-9525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019000000192 |
|---|---|
| Date | Jan 16, 2019 |
| Instrument | 20190-00000192 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | May 24, 2017 |
| Property Address | 539 E SPENCER RD, SPENCER, NY 14883-9525 |
| Document Number | 0000020170/0000002095 |
| Book / Page | 0000020170 / 0000002095 |
| Instrument Date | May 16, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | NOT AVAILABLE, CHARLES GUTTMAN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 539 E SPENCER RD, SPENCER, NY 14883-9525 |
The 2026 property tax bill for 539 E Spencer Rd was $5,472, up 2.3% 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 | Candor Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,472.00 (+2.3%) | ||
| 2025 | $5,349.00 | $141,900 Land $17,100 Building $124,800 | $202,714 Land $24,429 Building $178,285 |
| 2023 | $141,900 Land $17,100 Building $124,800 | $165,000 Land $19,884 Building $145,116 | |
| 2019 | $2,072.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 E Spencer Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
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 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 539 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 | 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 29 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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