10 Nottingham Cir, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 10 Nottingham Cir, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,654 sqft · built 1998
Lot Size	1.05 acres (45,871 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (Nov 2023)
Tax Bill	$7,401 (2026)
Deeds & Mortgages	Feb 2021 Refinance Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R56 B:00019 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R56 B:00019 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,654 sqft Living Area
Gross Area	6,256 sqft
Basement Area	2,510 sqft
Unfinished Basement	2,510 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,871 sqft (1.05 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	10 NOTTINGHAM CIR
City	SPENCER
State	MA
Zip	01562-2943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	19
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1002
Census Tract	726100

Owner

10 Nottingham Cir is owned and occupied by an individual who bought it in November 2023.

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10 NOTTINGHAM CIR, SPENCER, MA 01562-2943
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Nov 22, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU
Aug 12, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2023 · Amount on File
Deed Sale	Nov 22, 2023 · Amount on File
Prior Sale	Aug 12, 2019 · Amount on File
Deed Book / Page	69915 / 51
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	10 NOTTINGHAM CIR, SPENCER, MA 01562-2943
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064411-38
Date	Feb 8, 2021
Book Page	64411/38
Instrument	18179

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Nov 22, 2023
Property Address	10 NOTTINGHAM CIR, SPENCER, MA 01562-2943
Document Number	0069915-51
Book / Page	69915 / 51
Instrument Date	Nov 22, 2023
Instrument	98205
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 NOTTINGHAM CIR, SPENCER, MA 01562-2943

Mortgage

Document Number	0000098206
Date	Nov 22, 2023
Instrument	98206

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Aug 12, 2019
Property Address	10 NOTTINGHAM CIR, SPENCER, MA 01562-2943
Document Number	60861-12
Book / Page	60861 / 12
Instrument Date	Jul 30, 2019
Instrument	79824
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 NOTTINGHAM CIR, SPENCER, MA 01562-2943

Mortgage

Document Number	79825
Date	Aug 12, 2019
Instrument	79825

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 10 Nottingham Cir was $7,401, up 9,511.7% from the year before.

Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,401.00 (+9,511.69%)	$674,000 (+2.31%) Land $68,900 Building $605,100	$622,320 (+1.19%)
2025	$77.00 (-98.91%)	$658,800 (+7.1%) Land $60,000 Building $598,800	$615,030
2024	$7,037.00 (+8.01%)	$615,100 (+13.87%) Land $60,000 Building $555,100
2023	$6,515.00	$540,200 Land $60,000 Building $480,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Nottingham Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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	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.

Wildfire

Wildfire risk around 10 Nottingham Cir is low, with a 0.01% annual chance of wildfire.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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