658 Spencer Rd, Ithaca, NY 14850 Property Records

Tompkins County and Ithaca City property record for 658 Spencer Rd, Ithaca, NY 14850

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,518 sqft · built 1997
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$12,800 (Jul 1996)
Tax Bill	$5,785 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`500700 128.-2-10.1`

Property Details

APN / Parcel Number

Primary APN	`500700 128.-2-10.1`
Alternative APN	`070012800000020100010000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,518 sqft Total Area
1st Floor Area	1,518 sqft
Basement Area	1,518 sqft
Unfinished Basement	1,518 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	658 SPENCER RD
City	ITHACA
State	NY
Zip	14850-5110
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SW-2
Legal Block	2
Legal Lot Number	10.001
Jurisdiction	TOMPKINS NY
Township / Civil Division	ITHACA
Census Block Group	1
Census Block	1018
Census Tract	1000

Owner

Source: Tompkins County and Ithaca City records · APN 500700 128.-2-10.1

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	Individual Name on File
Mailing Address	833 WHITE CHURCH RD, BROOKTONDALE, NY 14817-9545
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 25, 1996 · Amount on Record
Deed Sale	Jul 25, 1996 · Amount on Record
Deed Book / Page	777 / 18
Record Updated	Jun 08, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOMPKINS NY
Recording Date	Dec 13, 2024
Property Address	658 SPENCER RD, ITHACA, NY 14850-5110
Document Number	0000001793
Instrument Date	Dec 09, 2024
Instrument	2024-11793
Transaction Type	Transfer
Record Updated	Apr 09, 2026

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	833 WHITE CHURCH RD, BROOKTONDALE, NY 14817-9545

Mortgage

Document Number	0000001795
Date	Dec 13, 2024
Instrument	2024-11795

Lender

Name	TOMPKINS COMMUNITY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Type Change Date	Jan 01, 2032
Max Rate At Change	3%
Index	Other
Margin	3

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	$5,785.00 (+50.65%)	$240,000 (+118.18%) Land $12,500 Building $227,500	$240,000 (+118.18%) Land $12,500 Building $227,500
2024	$3,840.00	$110,000 (-) Land $12,500 Building $97,500	$110,000 (-) Land $12,500 Building $97,500
2023		$110,000 Land $12,500 Building $97,500	$110,000 Land $12,500 Building $97,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 policies
Nearby Flood Policies	31 in force

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 58 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ITHACA CITY serves 29,457 people
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorine dioxide resolved · Feb 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.