Worcester County and Spencer Town property record for 10 Main St, Spencer, MA 01562
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 1,759 sqft · built 1860 |
| Lot Size | 0.43 acres (18,711 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $540,000 (Jun 2025) |
| Tax Bill | $4,325 (2026) |
| Deeds & Mortgages | Sep 2024 Mortgage Jun 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U08 B:00134 L:00000 |
| Primary APN | SPEN M:00U08 B:00134 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 7 Units |
| Stories | 2 Stories |
| Building Area | 1,759 sqft Living Area |
| Gross Area | 3,849 sqft |
| Basement Area | 1,060 sqft |
| Unfinished Basement | 1,060 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,711 sqft (0.43 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 10 MAIN ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2164 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | VR |
| Legal Block | 134 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3015 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10 MAIN ST, SPENCER, MA 01562-2164 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Sep 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Jun 13, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Oct 20, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2025 · Amount on Record |
| Deed Sale | Jun 13, 2025 · Amount on Record |
| Prior Sale | Oct 20, 2022 · Amount on Record |
| Deed Document Number | 202548085 |
| Deed Book / Page | 72119 / 237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 10 MAIN ST, SPENCER, MA 01562-2164 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0071011-89 |
|---|---|
| Date | Sep 11, 2024 |
| Book Page | 71011/89 |
| Instrument | 73775 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jun 13, 2025 |
| Property Address | 10 MAIN ST, SPENCER, MA 01562-2164 |
| Document Number | 072119-237 |
| Book / Page | 72119 / 237 |
| Instrument Date | Jun 13, 2025 |
| Instrument | 48085 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 MAIN ST, SPENCER, MA 01562-2164 |
| Document Number | 0000048086 |
|---|---|
| Date | Jun 13, 2025 |
| Instrument | 48086 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Oct 20, 2022 |
| Property Address | 10 MAIN ST, SPENCER, MA 01562-2164 |
| Document Number | 0068376-85 |
| Book / Page | 68376 / 85 |
| Instrument Date | Oct 19, 2022 |
| Instrument | 113762 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 MAIN ST, SPENCER, MA 01562-2164 |
| Document Number | 0000113763 |
|---|---|
| Date | Oct 20, 2022 |
| Instrument | 113763 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First 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 |
|---|---|---|
| 2026 | $4,325.00 (+2.9%) | $393,900 (+10.03%) Land $52,600 Building $341,300 |
| 2025 | $4,203.00 (+11.13%) | $358,000 (+8.29%) Land $45,700 Building $312,300 |
| 2024 | $3,782.00 (+19.12%) | $330,600 (+25.56%) Land $45,700 Building $284,900 |
| 2023 | $3,175.00 | $263,300 Land $45,700 Building $217,600 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Adjoins Burnable Land | Yes |
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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