543 Spencer Rd, Ithaca, NY 14850 Property Records

Tompkins County and Ithaca City property record for 543 Spencer Rd, Ithaca, NY 14850 · Last verified May 2026

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,840 sqft · built 1910
Lot Size	0.185 acres (8,065 sqft)
Owner	Company Name on File
Last Sale	$210,000 (Mar 2022)
Tax Bill	$7,416 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`500700 124.-2-5`

Property Details

APN / Parcel Number

Primary APN	`500700 124.-2-5`
Alternative APN	`070012400000020050000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,840 sqft Total Area
1st Floor Area	920 sqft
2nd Floor Area	920 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,065 sqft (0.185 acres)
Lot Dimensions	161 ft deep x 50 ft wide
Porch	Slab
Porch Area	120 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	543 SPENCER RD
City	ITHACA
State	NY
Zip	14850-5107
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	2
Legal Lot Number	5.000
Jurisdiction	TOMPKINS NY
Township / Civil Division	ITHACA
Census Block Group	1
Census Block	1019
Census Tract	1000

Owner

Source: Tompkins County and Ithaca City records · APN 500700 124.-2-5

Assessment roll updated May 14, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	609 S ALBANY ST, ITHACA, NY 14850-5515
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CFCU COMMUNITY CU
Sep 11, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage ELMIRA SVGS BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	May 04, 2009 · Amount on Record
Deed Document Number	20222808
Prior Transfer Date	Sep 06, 2019
Prior Transfer Doc	1443
Record Updated	Jun 08, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOMPKINS NY
Recording Date	Mar 15, 2022
Property Address	543 SPENCER RD, ITHACA, NY 14850-5107
Document Number	0000002808
Instrument Date	Mar 10, 2022
Instrument	2022-02808
Transaction Type	Transfer
Record Updated	Apr 05, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	609 S ALBANY ST, ITHACA, NY 14850-5515

Mortgage

Document Number	0000002811
Date	Mar 15, 2022
Instrument	2022-02811

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	TOMPKINS NY
Recording Date	Sep 11, 2019
Property Address	543 SPENCER RD, ITHACA, NY 14850-5107
Document Number	0000011443
Instrument Date	Sep 06, 2019
Instrument	11443
Transaction Type	Mortgage
Record Updated	Nov 05, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	543 SPENCER RD ITHACA NY 148505107, ITHACA, NY 14850-5107

Mortgage

Document Number	11444
Date	Sep 11, 2019
Instrument	11444

Lender

Name	ELMIRA SVGS BK
Type	Federal Savings Bank
Address	ELMIRA, NY 14901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 10, 2034

Tax Assessment & Valuation

Source: Tompkins County and Ithaca City records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Tompkins County
Municipality	Ithaca City
Unified School District	Ithaca City School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,416.00	$225,000 (+4.65%) Land $49,700 Building $175,300	$225,000 (+4.65%) Land $49,700 Building $175,300
2023		$215,000 Land $49,700 Building $165,300	$215,000 Land $49,700 Building $165,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Tompkins County (36109C), updated June 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361090010001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 31 individual NFIP policies nearby
Nearby Flood Policies	31 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 74 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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