Tioga County and Spencer Town property record for 7 William St, Spencer, NY 14883
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,352 sqft · built 1974 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $196,100 (Jan 2026) |
| Tax Bill | $4,874 (2026) |
| Deeds & Mortgages | Oct 2013 Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 493489 57.10-1-23 |
| Primary APN | 493489 57.10-1-23 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Dimensions | 140 ft deep x 197 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00000000462 |
|---|---|
| Street Address | 7 WILLIAM ST |
| City | SPENCER |
| State | NY |
| Zip | 14883-9304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZONE |
| Legal Block | 1 |
| Legal Lot Number | 23.000 |
| Jurisdiction | TIOGA NY |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2010 |
| 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 File |
|---|---|
| Mailing Address | 144 MAIN ST, FREEVILLE, NY 13068-5690 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Oct 24, 2013 | Deed of Trust, Mortgage TIOGA STATE BANK |
| Jan 12, 2026 | Warranty Deed, Transfer M & T BANK |
| Mar 21, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on File |
| Deed Sale | Jan 12, 2026 · Amount on File |
| Prior Sale | Mar 21, 2023 · Amount on File |
| Deed Document Number | 2026129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIOGA NY |
| Property Address | 7 WILLIAM ST, SPENCER, NY 14883-9304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0213988001 |
|---|---|
| Date | Oct 24, 2013 |
| Instrument | 0213988001 |
| Name | TIOGA STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 291 Months |
| Due | Jan 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Jan 12, 2026 |
| Property Address | 7 WILLIAM ST, SPENCER, NY 14883-9304 |
| Document Number | 202600000129 |
| Instrument Date | Jan 5, 2026 |
| Instrument | 2026-00000129 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 144 MAIN ST, FREEVILLE, NY 13068-5690 |
| Document Number | 202600000130 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 2026-00000130 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIOGA NY |
| Recording Date | Mar 21, 2023 |
| Property Address | 7 WILLIAM ST, SPENCER, NY 14883-9304 |
| Document Number | 2023000001020 |
| Instrument Date | Mar 2, 2023 |
| Instrument | 20230-00001020 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 210 GRANDVIEW AVE, ITHACA, NY 14850-5764 |
| Document Number | 23000001021 |
|---|---|
| Date | Mar 21, 2023 |
| Instrument | 230-00001021 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
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 | Spencer-Van Etten Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,874.00 (+2.46%) | ||
| 2025 | $4,757.00 (+7.92%) | $135,000 (-) Land $16,500 Building $118,500 | $192,857 (+12.86%) Land $23,571 Building $169,286 |
| 2024 | $4,408.00 (+144.89%) | $135,000 (+6.89%) Land $16,500 Building $118,500 | $170,886 (+16.36%) Land $20,886 Building $150,000 |
| 2023 | $126,300 Land $16,500 Building $109,800 | $146,860 Land $19,186 Building $127,674 | |
| 2019 | $1,800.00 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 14 (1998–2021) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Aug 2021 · Remnants Of Tropical Storm Fred |
| 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 46 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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