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Gay Hollow Rd Lot Wp001, Spencer, NY, 14883

2beds
1baths
--sqft
$184,900
--price/sqft
$1,582/moest. monthly cost
$63,280/yrincome needed

About This Home

Take a trip off the beaten path to enjoy this hillside retreat, complete with a large footprint of wooded land, a manufactured home, and a wood-fired sauna next to a well-stocked pond. Accessible exclusively via a private drive, this gem of a secluded wonderland brings together 78A± acres of rural land with the conveniences of home, including full electricity, septic, and running water. Surrounded by serenity, the well-kept manufactured home features two bedrooms, one bath, a living room, and a kitchen. Enjoy all the sights and sounds nature has to offer from the large deck and covered porch that overlook the pond and surrounding forest. Integrated into the larger surrounding treescape, the site features a number of tree species but is mostly populated by maple, aspen, and red and white pine. Along the easily navigated hillside, several benches provide topographical diversity and habitat for populations of deer, turkey, and the occasional bear that tread the timbered traverse. Centrally located between the towns of Spencer and Candor, amenities and conveniences are close by, with Ithaca and Owego providing even greater access to most needs within less than a half hour's drive. A great property for hunting, fishing, relaxing, and connecting with nature, this property provides ample opportunities for recreation and decompression from an otherwise busy world. To find your place of peace off Gay Hollow Road, contact us today for more information or to schedule a private showing. Please do not enter the property without a licensed real estate agent or a scheduled showing. All buyers must provide proof of funds or proof of pre-qualification to schedule a showing.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Features

  • Sauna

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
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Lightning

FEMA Declared Disasters in Tioga County and New York

Flood
Severe Storm

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

MonthlyAnnual
Mortgage $934$11,208
Home Insurance *$85$1,020
Property Taxes $317$3,804
Electricity $246$2,954
Total$1,582$18,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,240/yr
40% on housing$47,460/yr
45% on housing$42,186/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: 2.6%
2.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 14883$196
Tioga County$106

vs Homes Sold Last Month

Median $/sqft

ZIP 14883$130
Tioga County$151

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

DateEventPrice
2026-04-29Listed for sale$184,900
2026-02-18Listing removed$189,900
2025-01-31Listed for sale$189,900
2024-11-30Listing removed$189,900
2024-09-07Price change$189,900
2024-05-30Listed for sale$199,900

For Sale by Agent

AgentTimothy Kent
BrokerageWhitetail Properties

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