Worcester County and Spencer Town property record for 10 Laurel Ln, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 2,124 sqft · built 2002 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Apr 2010) |
| Tax Bill | $67 (2025) |
| Deeds & Mortgages | Jan 2022 Refinance Sep 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U31 B:00040 L:00000 |
| Primary APN | SPEN M:00U31 B:00040 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 2,124 sqft Living Area |
| Gross Area | 5,067 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 10 LAUREL LN |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 40 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 726100 |
Source: Worcester County and Spencer Town records, as of April 14, 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 | 10 LAUREL LN, SPENCER, MA 01562-1506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BAY STATE SAVINGS BANK |
| Sep 15, 2017 | Deed of Trust, Mortgage BAY STATE BANK |
| Feb 11, 2019 | Deed of Trust, Mortgage · Balloon Mortgage BAY STATE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2010 · Amount on Record |
| Deed Sale | Apr 15, 2010 · Amount on Record |
| Prior Sale | Jun 1, 2005 · Amount on Record |
| Deed Document Number | 201038531 |
| Deed Book / Page | 45679 / 254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 10 LAUREL LN, SPENCER, MA 01562-1506 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00066908-5 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 66908/5 |
| Instrument | 2624 |
| Name | BAY STATE SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 10 LAUREL LN, SPENCER, MA 01562-1506 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57737-152 |
|---|---|
| Date | Sep 15, 2017 |
| Book Page | 57737/152 |
| Instrument | 101785 |
| Name | BAY STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Sep 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 10 LAUREL LN, SPENCER, MA 01562-1506 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60035-349 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | 60035/349 |
| Instrument | 12952 |
| Name | BAY STATE SAVINGS BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2039 |
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 |
|---|---|---|---|
| 2025 | $67.00 (-98.92%) | $570,700 (+5.49%) Land $127,500 Building $443,200 | $799,235 |
| 2024 | $6,189.00 (+4.74%) | $541,000 (+10.41%) Land $127,500 Building $413,500 | |
| 2023 | $5,909.00 | $490,000 Land $127,500 Building $362,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1993) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 1993 · rainfall accumulation |
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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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