554 E Spencer Rd, Spencer, NY 14883 Property Records

Tioga County and Spencer Town property record for 554 E Spencer Rd, Spencer, NY 14883

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,624 sqft · built 1900
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,577 (2026)
Flood Zone	Zone A (high risk)
APN	`493489 59.00-1-21`

Property Details

APN / Parcel Number

Primary APN	`493489 59.00-1-21`
Alternative APNs	`348905900000010210000000` `00000000389`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,624 sqft Living Area
1st Floor Area	1,134 sqft
2nd Floor Area	490 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000000389
Street Address	554 E SPENCER RD
City	SPENCER
State	NY
Zip	14883-9525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZONE
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	TIOGA NY
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3001
Census Tract	20701

Owner

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	554 E SPENCER RD, SPENCER, NY 14883-9525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

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	$1,577.00 (+2.34%)
2025	$1,541.00 (+5.12%)	$40,900 (-) Land $16,400 Building $24,500	$58,429 (+22.86%) Land $23,429 Building $35,000
2023		$40,900 Land $16,400 Building $24,500	$47,558 Land $19,070 Building $28,488
2019	$1,466.00

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

Flood

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	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

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.

Internet Providers

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