Tioga County and Spencer Town property record for 563 E Spencer Rd, Spencer, NY 14883
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,392 sqft · built 2018 |
| Lot Size | 1.58 acres (68,825 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,026 (2026) |
| Deeds & Mortgages | Apr 2026 Sale Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 493489 59.00-1-10.20 |
| Primary APN | 493489 59.00-1-10.20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,392 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| 2nd Floor Area | 936 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 68,825 sqft (1.58 acres) |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 400 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000001518 |
|---|---|
| Street Address | 563 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 03-04*88 |
| Legal Block | 1 |
| Legal Lot Number | 10.020 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3000 |
| 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 | 563 E SPENCER RD, SPENCER, NY 14883-9525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 14, 2026 | Warranty Deed, Transfer |
| Oct 27, 2017 | Deed of Trust, Mortgage TIOGA STATE BANK |
| Mar 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance TIOGA STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Apr 14, 2026 |
| Property Address | 563 E SPENCER RD, SPENCER, NY 14883-9525 |
| Document Number | 202600001298 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20261298 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 563 E SPENCER RD, SPENCER, NY 14883-9525 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 563 E SPENCER RD, SPENCER, NY 14883-9525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 17000004648 |
|---|---|
| Date | Oct 27, 2017 |
| Instrument | 170-00004648 |
| Name | TIOGA STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 231 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 563 E SPENCER RD, SPENCER, NY 14883-9525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020000000804 |
|---|---|
| Date | Mar 2, 2020 |
| Instrument | 20200-00000804 |
| Name | TIOGA STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2035 |
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 | $7,026.00 (-14.08%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $8,177.00 (+179.27%) | $229,000 (-) Land $21,500 Building $207,500 | $327,143 (+22.86%) Land $30,714 Building $296,429 |
| 2023 | $229,000 Land $21,500 Building $207,500 | $266,279 Land $25,000 Building $241,279 | |
| 2019 | $2,928.00 |
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 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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