Worcester County and Spencer Town property record for 1 Bay Path Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 960 sqft · built 1975 |
| Lot Size | 0.34 acres (14,820 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Oct 2018) |
| Tax Bill | $3,374 (2026) |
| Deeds & Mortgages | Oct 2022 Refinance Jul 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U22 B:00081 L:00000 |
| Primary APN | SPEN M:00U22 B:00081 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 2,100 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,820 sqft (0.34 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 1 BAY PATH RD |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Subdivision | PLEASANT MDWS SEC I |
| Legal Block | 81 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 726200 |
Source: Worcester County and Spencer Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1 BAY PATH RD, SPENCER, MA 01562-1601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Jul 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Oct 5, 2018 | Quit Claim Deed, Transfer DIGITAL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2018 · Amount on Record |
| Deed Sale | Oct 5, 2018 · Amount on Record |
| Prior Sale | Jan 14, 2005 · Amount on Record |
| Deed Book / Page | 59512 / 127 |
| Last Transfer Date | Nov 12, 2024 |
| Transfer Doc | 071307-200 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 1 BAY PATH RD, SPENCER, MA 01562-1601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 068381-156 |
|---|---|
| Date | Oct 21, 2022 |
| Book Page | 68381/156 |
| Instrument | 114178 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 1 BAY PATH RD, SPENCER, MA 01562-1601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065686-368 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 65686/368 |
| Instrument | 103584 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Oct 5, 2018 |
| Property Address | 1 BAY PATH RD, SPENCER, MA 01562-1601 |
| Document Number | 59512-127 |
| Book / Page | 59512 / 127 |
| Instrument | 106179 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21.46 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 595120130 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 59512/0130 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 5, 2048 |
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,374.00 (+9,54%) | $307,300 (+3.09%) Land $49,600 Building $257,700 | $335,385 (-3.96%) |
| 2025 | $35.00 (-98.9%) | $298,100 (+6.73%) Land $43,100 Building $255,000 | $349,220 |
| 2024 | $3,195.00 (+7.36%) | $279,300 (+13.17%) Land $43,100 Building $236,200 | |
| 2023 | $2,976.00 | $246,800 Land $43,100 Building $203,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPENCER WATER DEPARTMENT serves 7,037 people · EPA ID MA2280000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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