97 Station Rd, Spencer, NY 14883 Property Records

Tompkins County and Danby Town property record for 97 Station Rd, Spencer, NY 14883

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 1,696 sqft · built 1992
Lot Size	2.35 acres (102,366 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,500 (Oct 2022)
Tax Bill	$8,836 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`502200 18.-1-1.1`

Property Details

APN / Parcel Number

Primary APN	`502200 18.-1-1.1`
Alternative APN	`220001800000010010010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Total Area
1st Floor Area	1,236 sqft
Basement Area	460 sqft
Finished Basement	460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	102,366 sqft (2.35 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	1,528 sqft
Patio Area	336 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	97 STATION RD
City	SPENCER
State	NY
Zip	14883-9672
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	HD
Legal Description	CONSOL FOR '04
Legal Block	1
Legal Lot Number	1.001
Jurisdiction	TOMPKINS NY
Township / Civil Division	DANBY
Census Block Group	1
Census Block	1047
Census Tract	1800

Owner

Source: Tompkins County and Danby Town records, as of September 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	97 STATION RD, SPENCER, NY 14883-9672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage TIOGA STATE BANK
May 9, 2022	Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	May 9, 2022 · Amount on Record
Deed Document Number	202211269
Prior Transfer Date	Apr 25, 2022
Prior Transfer Doc	0000005014
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOMPKINS NY
Recording Date	Oct 3, 2022
Property Address	97 STATION RD, SPENCER, NY 14883-9672
Document Number	0000001269
Instrument Date	Sep 30, 2022
Instrument	2022-11269
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	333 RESERVOIR HILL RD, CANDOR, NY 13743-1612

Mortgage

Document Number	0000001270
Date	Oct 3, 2022
Instrument	2022-11270

Lender

Name	TIOGA STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Sep 30, 2037
Max Rate At Change	1.75%
Index	Other

May 2022: Foreclosure

Document Type	Foreclosure
Jurisdiction	TOMPKINS NY
Recording Date	May 9, 2022
Property Address	97 STATION RD, SPENCER, NY 14883-9672
Document Number	0000005014
Instrument Date	Apr 25, 2022
Instrument	2022-05014
Transaction Type	Foreclosure
Record Updated	May 31, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 N CAYUGA ST, ITHACA, NY 14850-3610

Tax Assessment & Valuation

Source: Tompkins County and Danby Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Tompkins County
County Subdivision	Danby Town
Unified School District	Newfield Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,836.00 (-0.32%)
2025	$8,864.00	$335,000 (+76.32%) Land $30,400 Building $304,600	$335,000 (+76.32%) Land $30,400 Building $304,600
2023		$190,000 Land $30,400 Building $159,600	$190,000 Land $30,400 Building $159,600

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 June 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2011–2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2015 · rainfall accumulation

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	Direct burnable vegetation

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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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