CCertihomes
284 E Spencer Road, Spencer, NY 14883

$509,900

5 beds 3 baths 1,458 sqft Built 19951 days on marketActive

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.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$4,944/mo

Real estate (PITI + HOA + PMI)
$4,482
Principal + interest$3,272
Property tax + insurance$1,019
PMI / 2nd mortgage$191
Utilities
$1,121
Heating + cooling$410
Internet + TV + phone$135
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$135
$4,944/mo TLC
Budget$5,444/mo
Remaining after TLC$500/mo
Purchase price
$509,900
Down payment
$25,495 (5%)
Loan amount
$484,405
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1995
Lot size
109.7 ac
Stories
1
Heating
Electric, Baseboard
Cooling
Water
Well
HOA
Annual tax
$6,052
MLS #
R1622527
County
Tioga

At a glance

Fireplace
Garage (2)

Home features

Appliances
ElectricWaterHeater
Parking
Gravel
Flooring
Carpet, Hardwood, Laminate, Tile, Varies
Roof
Asphalt
Sewer
SepticTank

Lot features

Agricultural, IrregularLot

Neighborhood — 14883

MetricThis ZIPCountyUSA
Population4,05419,351,094299,088,112
Population Change Since19901.00%8.00%20.00%
Population Density59395
Male2,0359,381,926147,432,321
Female2,0199,969,168151,655,844
Never Married7384,946,39163,775,926
Married1,8447,166,701123,120,365
Separated1651,159,67312,639,686
Widowed1531,110,24515,467,586
Divorced3811,210,44823,075,029
Number Of House Hold1,4797,102,016111,826,380
Average House Hold Size2.742.642.60
Medial Age35.8536.5335.46
Median House Hold Income$44,249$49,847$48,276
Average House Hold Income$51,889$70,032$63,629
P C I$18,931$26,569$24,529
M D I$38,267$42,210$41,133
A T H E$44,835$54,185$50,898
S T R8.00%4.00%
W C J68.65%81.55%77.74%
(Zip) Code
14883

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 7/15/2025. Provided courtesy of Whitetail Properties Real Estate LLC via Buffalo MLS. Information deemed reliable but not guaranteed.

284 E Spencer Road · Spencer — $509,900 · Certihomes