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Single Family ResidenceResidential
$126,213$64 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

15 WATER ST

SPENCER, NY 14883
3
Beds
1
Baths
1,960 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.43 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$126K
$119K low$133K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,541 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$93,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$93,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$134,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.118 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyTIOGA
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1966
Lot (acres)The size of the land the home sits on, from county records.0.43
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Spencer-Van Etten Middle SchoolC+
Middle · Grades 5–8 · 0.3 mi
H
Spencer-Van Etten High SchoolB-
High · Grades 9–12 · 1.6 mi
E
Spencer-Van Etten Elementary SchoolC-
Elementary · Grades PK–4 · 3.4 mi

District: Spencer-Van Etten Central School District

Neighborhood · ZIP 14883These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.32

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.4,424
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.61 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,366
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,305
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

15 Water St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 84% of homes in Spencer 14883
  • Costs less per square foot than 95% of homes in Spencer 14883
  • Bigger than 78% of homes in Spencer 14883
  • Has a smaller lot than 88% of homes in Spencer 14883
  • Older than 80% of homes in Tioga County

What homes are worth in Spencer 14883

Each bar is how many homes fall in that price range. The marker is this home.

This home
$74K$414K

This home is worth more than 16% of homes in Spencer 14883.

How it measures up in Spencer 14883

The dot is this home. The mark in the middle is the typical home in Spencer 14883.

Estimated value$126,213
CheaperTypical $186,377Pricier

Pricier than 16% of homes nearby

Price per ft²$64
CheaperTypical $124Pricier

Pricier than 5% of homes nearby

Living area1,960 ft²
SmallerTypical 1,472 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.43 ac
SmallerTypical 2.94 acBigger

Bigger than 12% of homes nearby

Year built1900
OlderTypical 1974Newer

Newer than 26% of homes nearby

How 15 Water St ranks against every home in each area.
MeasureThis homeSpencer 14883Tioga County
Estimated valuepricier than$126,21316% of homes17% of homes
Price per ft²pricier than$645% of homes8% of homes
Living areabigger than1,960 ft²78% of homes72% of homes
Lot sizebigger than0.43 ac12% of homes29% of homes
Year builtnewer than190026% of homes20% of homes

About 15 Water St

How much is 15 Water St, Spencer, NY worth?

The TopHap Estimate for 15 Water St, Spencer, NY is $126,213 as of Sep 24, 2026. The likely range is $119,030 to $133,396. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 15 Water St, Spencer, NY last sell?

15 Water St, Spencer, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 15 Water St, Spencer, NY?

15 Water St, Spencer, NY has 3 bedrooms, 1 bathrooms, 1,960 square feet of living space and a 0.43-acre lot.

When was 15 Water St, Spencer, NY built?

15 Water St, Spencer, NY was built in 1900, making it 126 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 15 Water St, Spencer, NY?

15 Water St, Spencer, NY is assigned to Spencer-Van Etten Middle School (middle), rated C+; Spencer-Van Etten High School (high), rated B-; Spencer-Van Etten Elementary School (elementary), rated C-. All sit in Spencer-Van Etten Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 15 Water St, Spencer, NY compare to other homes in Spencer 14883?

Among the 1,699 homes in Spencer 14883, it is worth more than 16% of them ($126,213 against a typical $186,377), its price per square foot is higher than 5% of them ($64 against a typical $124), it is bigger than 78% of them (1,960 ft² against a typical 1,472 ft²), its lot is bigger than 12% of them (0.43 ac against a typical 2.94 ac) and it is newer than 26% of them (1900 against a typical 1974). Measured against all of Tioga County, it is worth more than 17% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 15 Water St, Spencer, NY?

The 2025 property tax bill for 15 Water St, Spencer, NY was $5,541. The county assessed it at $93,800.

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