If you are trying to check your segment of the network, your fios line to the CO or switch you need to find a server on that segment. I assume your verizon agreement also includes your own web space ? Do a traceroute to it and see how many hops it takes to get there, the closer the better. If it takes 3-5 hops thats great, put a 5 meg or bigger file up there, see how long it takes to both up load and download, do it maybe 10 times both ways, upload a gig file and then download it. Most of the ftp programs will show you how long it takes. Thats a good way to find out your local speed.
Speed can be effected by so many variables it's not funny, loads on the servers, loads on the line, least cost routing on the routers, maintenance on the network, time of day, whole bunch of stuff. If you are in a business residential area or business's are between you and the central office be aware that the business class service is given priority over residential service, simple money thing there, the business's pay more.