Worcester County and Spencer Town property record for 10 Bay Path Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1975 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $184,900 (Aug 2017) |
| Tax Bill | $3,272 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U22 B:00075 L:00000 |
| Primary APN | SPEN M:00U22 B:00075 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 2,352 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 | 15,000 sqft (0.344 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 10 BAY PATH RD |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 75 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1008 |
| 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 | 10 BAY PATH RD, SPENCER, MA 01562-1602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION |
| Aug 18, 2017 | Quit Claim Deed, Transfer RADIUS FINANCIAL GRP |
| Mar 27, 2017 | Deed in Lieu of Foreclosure, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2017 · Amount on Record |
| Deed Sale | Aug 18, 2017 · Amount on Record |
| Prior Sale | Mar 27, 2017 · Amount on Record |
| Deed Document Number | 201790618 |
| Deed Book / Page | 57604 / 389 |
| Transfer Doc | 057604-389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jul 13, 2026 |
| Property Address | 10 BAY PATH RD, SPENCER, MA 01562-1602 |
| Document Number | 0000058349 |
| Book / Page | 73862 / 313 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202658349 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10 BAY PATH RD, SPENCER, MA 01562-1602 |
| Document Number | 0000058349, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 73862/313 |
| Instrument | 202658349 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Aug 1, 2066 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Aug 18, 2017 |
| Property Address | 10 BAY PATH RD, SPENCER, MA 01562-1602 |
| Document Number | 57604-389 |
| Book / Page | 57604 / 389 |
| Instrument | 90618 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22.31 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 10 BAY PATH RD, SPENCER, MA 01562-1602 |
| Document Number | 576050001 |
|---|---|
| Date | Aug 18, 2017 |
| Instrument | 57605/0001 |
| Name | RADIUS FINANCIAL GRP |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 18, 2047 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Mar 27, 2017 |
| Property Address | 10 BAY PATH RD, SPENCER, MA 01562-1602 |
| Document Number | 56893-137 |
| Book / Page | 056893 / 000137 |
| Instrument Date | Jan 18, 2017 |
| Instrument | 30052 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 18, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $855.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5000 PLANO PKWY CARROLLTON TX 750104900, CARROLLTON, TX 75010-4900 |
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 | $3,272.00 (+9,815.15%) | $298,000 (+3.15%) Land $49,700 Building $248,300 | $323,101 (+8.07%) |
| 2025 | $33.00 (-98.93%) | $288,900 (+6.68%) Land $43,200 Building $245,700 | $298,965 |
| 2024 | $3,098.00 (+7.38%) | $270,800 (+13.21%) Land $43,200 Building $227,600 | |
| 2023 | $2,885.00 | $239,200 Land $43,200 Building $196,000 |
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 | 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 238 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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