# 109 Spencer Avenue, Owego, NY 13827

> **TL;DR:** 3bd/2ba single family, $129,900 ($96/sqft), built 1920, 1,352 sqft.
> Hardwood, A/C. Est. $695/mo. Listed 1004 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $129,900 |
| Price/sqft | $96 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,352 |
| Year Built | 1920 |
| Lot Size | 2,178 sqft (0.05 acres) |
| Stories | 2 |
| Property Type | Single Family (Other) |
| Status | Active Under Contract |
| Days on Market | 1004 |

## Why This Home Stands Out

- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $657 |
| Estimated Insurance | $38 |
| **Total** | **$695** |

## Nearby Schools

- **Elementary:** Owego

## Key Amenities

- Hardwood
- A/C

## Property Highlights

- Built in 1920
- 0.05 acre lot
- 2 stories

## Description

### Agent Description
This charmingly redone 3 bedroom 2 full bathroom home is inviting and warm. With an extremely spacious kitchen, ample storage, expansive dining room and first floor bedroom, there is so much to offer. Updated flooring, HVAC, laundry room, windows. bedrooms and bathrooms all make the list of improvements to this property. Don't miss your chance at this wonderful property!

## Location

- **Address:** 109 Spencer Avenue, Owego, NY 13827
- **County:** Tioga
- **Coordinates:** 42.107179, -76.261675
- **Google Maps:** https://www.google.com/maps?q=42.107179,-76.261675

## Virtual Tour & Media

- **Video Tour:** https://www.propertypanorama.com/instaview/gbar/324354

## Listing Agent

- **Name:** Jeremy Denmon
- **Brokerage:** Warren Real Estate
- **Broker Phone:** (607) 257-0666
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/109-Spencer-Ave_Owego_NY_13827_M41972-97571?f=listhub&s=GBARNY&m=324354&c=propsimple)

## Photos

![109 Spencer Avenue - Photo 1](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f3186224561r.jpg)

![109 Spencer Avenue - Photo 2](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f3186224561r.jpg)

![109 Spencer Avenue - Photo 3](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f2952006649r.jpg)

![109 Spencer Avenue - Photo 4](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f346085103r.jpg)

![109 Spencer Avenue - Photo 5](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f3234807439r.jpg)

![109 Spencer Avenue - Photo 6](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f4112525133r.jpg)

![109 Spencer Avenue - Photo 7](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f484478769r.jpg)

![109 Spencer Avenue - Photo 8](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f3908638693r.jpg)

![109 Spencer Avenue - Photo 9](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f2401001654r.jpg)

![109 Spencer Avenue - Photo 10](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f2766097583r.jpg)

![109 Spencer Avenue - Photo 11](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f867659281r.jpg)

![109 Spencer Avenue - Photo 12](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f693709269r.jpg)

![109 Spencer Avenue - Photo 13](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f1273791088r.jpg)

![109 Spencer Avenue - Photo 14](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f2336441017r.jpg)

![109 Spencer Avenue - Photo 15](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f3574702385r.jpg)

![109 Spencer Avenue - Photo 16](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f1901786632r.jpg)

![109 Spencer Avenue - Photo 17](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f2372608579r.jpg)

![109 Spencer Avenue - Photo 18](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f967162595r.jpg)

![109 Spencer Avenue - Photo 19](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f1845402929r.jpg)

![109 Spencer Avenue - Photo 20](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f2182456076r.jpg)

![109 Spencer Avenue - Photo 21](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f2485726751r.jpg)

![109 Spencer Avenue - Photo 22](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f165102337r.jpg)

![109 Spencer Avenue - Photo 23](http://lh.rdcpix.com/3b34985f8644faf73d22603932718d18l-f3846949046r.jpg)

---

**MLS#:** 324354 | **Updated:** 2026-10-29
**Source:** listhub

*Copyright © 2026 Greater Binghamton Association of Realtor. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/109-spencer-avenue-owego-ny-13827-d9e7d53bf42e47a5b94b37e726d8db70)

---

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