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Single Family ResidenceResidential
$154,046$138 / 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 91How 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

46 LIBERTY ST

SPENCER, NY 14883
3
Beds
2
Baths
1,120 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.
1.02 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$154K
$140K low$168K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,888 (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.$139,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$114,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$139,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$199,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.minimal

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.Ranch
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.1995
Lot (acres)The size of the land the home sits on, from county records.1.02
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 0.2 mi
H
Spencer-Van Etten High SchoolB
High · Grades 9–12 · 1.5 mi
E
Spencer-Van Etten Elementary SchoolC-
Elementary · Grades PK–4 · 3.2 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

46 Liberty 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 71% of homes in Spencer 14883
  • Smaller than 80% of homes in Tioga County
  • Has a smaller lot than 70% of homes in Spencer 14883
  • Newer than 82% 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
$73K$417K

This home is worth more than 29% 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$154,046
CheaperTypical $186,063Pricier

Pricier than 29% of homes nearby

Price per ft²$138
CheaperTypical $124Pricier

Pricier than 62% of homes nearby

Living area1,120 ft²
SmallerTypical 1,472 ft²Bigger

Bigger than 25% of homes nearby

Lot size1.02 ac
SmallerTypical 2.84 acBigger

Bigger than 30% of homes nearby

Year built1990
OlderTypical 1974Newer

Newer than 75% of homes nearby

How 46 Liberty St ranks against every home in each area.
MeasureThis homeSpencer 14883Tioga County
Estimated valuepricier than$154,04629% of homes30% of homes
Price per ft²pricier than$13862% of homes59% of homes
Living areabigger than1,120 ft²25% of homes20% of homes
Lot sizebigger than1.02 ac30% of homes49% of homes
Year builtnewer than199075% of homes82% of homes

About 46 Liberty St

How much is 46 Liberty St, Spencer, NY worth?

The TopHap Estimate for 46 Liberty St, Spencer, NY is $154,046 as of Sep 24, 2026. The likely range is $139,719 to $168,373. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 46 Liberty St, Spencer, NY last sell?

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

How big is 46 Liberty St, Spencer, NY?

46 Liberty St, Spencer, NY has 3 bedrooms, 2 bathrooms, 1,120 square feet of living space and a 1.02-acre lot.

When was 46 Liberty St, Spencer, NY built?

46 Liberty St, Spencer, NY was built in 1990, making it 36 years old. It is a ranch home. The building has 1 story.

What schools serve 46 Liberty St, Spencer, NY?

46 Liberty 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 46 Liberty St, Spencer, NY compare to other homes in Spencer 14883?

Among the 1,699 homes in Spencer 14883, it is worth more than 29% of them ($154,046 against a typical $186,063), its price per square foot is higher than 62% of them ($138 against a typical $124), it is bigger than 25% of them (1,120 ft² against a typical 1,472 ft²), its lot is bigger than 30% of them (1.02 ac against a typical 2.84 ac) and it is newer than 75% of them (1990 against a typical 1974). Measured against all of Tioga County, it is worth more than 30% 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 46 Liberty St, Spencer, NY?

The 2025 property tax bill for 46 Liberty St, Spencer, NY was $4,888. The county assessed it at $139,300.

More homes on Liberty St

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