




284 E Spencer Rd, Spencer, NY, 14883
About This Home
Tailor-made for equestrian pursuits, farming, or a multi-use rural lifestyle, this 100+ acre Spencer, NY property blends infrastructure, income potential, and natural beauty—featuring pastures, creeks, woodlots, and more. At the heart of the operation are two well-maintained barns connected by a bright 33x110 indoor riding arena—ideal for year-round riding, training, or staying active during inclement weather. With space for up to 30 stalls, the facility is suitable for personal use or as a boarding/training business. Nearly 20 acres of fenced pasture provide room to roam, with more acreage available for expansion, farming, or recreation. Located in a region known for agriculture and excellent hunting, the property offers lifestyle and investment value. The main residence is a recently-built raised ranch above a two-car garage. This 2-bedroom, 1-bath home features an open layout, hickory cabinets, stainless steel appliances, tile flooring, and a large island. Natural light pours in from all directions, and a new wood stove adds cozy charm. The lower level is partially finished, offering room to expand. Also included is a 1995 double-wide (56x28) with 3 bedrooms, 2 bathrooms, a spacious kitchen, and generous living area. A newer roof is already in place; a few updates could transform it into a guest house, rental, or second residence. Beyond the improvements, the land rises from the valley floor into a forested landscape ideal for hunting, hiking, and trail riding. Private trails meander through stands of maple, oak, cherry, hemlock, and pine—prime habitat for deer, turkey, and quiet reflection. To the east, 14 acres are enrolled in a Wetlands Reserve Program (WRP) to enhance waterfowl habitat. The northern boundary follows scenic Catatonk Creek, enriching both recreation and visual appeal. A rare opportunity to own a spacious, well-appointed, and versatile country property. Showings by appointment only with 24-hour notice. Proof of funds required.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1995
Materials
- Foundation: Block,Other,See Remarks
- Roof: Asphalt
- Construction materials: Block,Concrete
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Electric Water Heater
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Flooring: Carpet,Hardwood,Laminate,Tile,Varies
- Number of fireplaces: 1
- Fireplace: Yes
Heating
- Heating features: Electric,Baseboard
Interior Area
- Total structure area: 1,458
- Total interior livable area: 1,458 sqft
Property
Details
- Parcel number: 49348906900000020190120000
- Special condition: Standard
- Horse amenities: Horses Allowed
Features
- Levels: One
- Stories: 1
- Waterfront features: River Access,Stream
- Waterbody name: Catatonk Creek
- Horses can be raised: Yes
Lot
- Lot size: 109.70 Acres
- Features: Agricultural,Irregular Lot
- Lot size dimensions: 1468 x 4276
Parking
- Total spaces: 2
- Parking features: Gravel
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Drought
- Inland Flooding
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Tioga County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,325 | $27,900 |
| Home Insurance * | $212 | $2,544 |
| Property Taxes | $789 | $9,468 |
| Electricity | $246 | $2,954 |
| Total | $3,572 | $42,864 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-10-02 | Price change | $499,900 |
| 2025-07-15 | Listed for sale | $509,900 |
| 2023-04-21 | Listing removed | -- |
| 2023-02-02 | Price change | $439,900 |
| 2022-07-30 | Price change | $459,900 |
| 2022-04-21 | Listed for sale | $479,900 |
| 2019-04-01 | Listing removed | $309,900 |
| 2019-02-04 | Price change | $309,900 |
| 2018-05-03 | Listed for sale | $339,900 |
| 2006-06-15 | Sold | $225,000 |
| 1996-08-19 | Sold | $12,000 |
For Sale by Agent
