Worcester County and Spencer Town property record for 1 Temple St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,365 sqft · built 1852 |
| Lot Size | 0.074 acres (3,219 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Jun 2020) |
| Tax Bill | $3,127 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Jan 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U07 B:00236 L:00000 |
| Primary APN | SPEN M:00U07 B:00236 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,365 sqft Living Area |
| Gross Area | 2,289 sqft |
| Basement Area | 520 sqft |
| Unfinished Basement | 520 sqft |
| Year Built | Built 1852 |
|---|---|
| Effective Year Built | Effective 1852 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,219 sqft (0.074 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 1 TEMPLE ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TC |
| Legal Block | 236 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 726200 |
Source: Worcester County and Spencer Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1 TEMPLE ST, SPENCER, MA 01562-2522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2022 | Deed of Trust, Mortgage · VA Mortgage USA VETERANS ADMIN |
| Jan 10, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MV REALTY OF MA LLC |
| Jun 2, 2020 | Quit Claim Deed, Transfer · VA Mortgage OCMBC INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2020 · Amount on Record |
| Deed Sale | Jun 2, 2020 · Amount on Record |
| Prior Sale | Aug 31, 2010 · Amount on Record |
| Deed Document Number | 202057110 |
| Deed Book / Page | 62517 / 258 |
| Prior Transfer Date | May 19, 2020 |
| Prior Transfer Doc | 62517-258 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 1 TEMPLE ST, SPENCER, MA 01562-2522 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0067727-25 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 67727/25 |
| Instrument | 63203 |
| Name | USA VETERANS ADMIN |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 1 TEMPLE ST, SPENCER, MA 01562-2522 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0066917-43 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 66917/43 |
| Instrument | 3322 |
| Name | MV REALTY OF MA LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jun 2, 2020 |
| Property Address | 1 TEMPLE ST, SPENCER, MA 01562-2522 |
| Document Number | 62517-258 |
| Book / Page | 62517 / 258 |
| Instrument Date | May 19, 2020 |
| Instrument | 57110 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 TEMPLE ST, SPENCER, MA 01562-2522 |
| Document Number | 57111 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 57111 |
| Name | OCMBC INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,127.00 (+11,926.92%) | $284,800 (+25.13%) Land $39,700 Building $245,100 | $288,356 (-0.55%) |
| 2025 | $26.00 (-98.96%) | $227,600 (+4.4%) Land $31,100 Building $196,500 | $289,940 |
| 2024 | $2,494.00 (+5.37%) | $218,000 (+11.05%) Land $31,100 Building $186,900 | |
| 2023 | $2,367.00 | $196,300 Land $31,100 Building $165,200 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 | Indirect within ember reach |
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 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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