10 Oak Ln, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 10 Oak Ln, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,715 sqft · built 1987
Lot Size	0.15 acres (6,530 sqft)
Owner	Individual Name on Record
Last Sale	$303,500 (Mar 2007)
Tax Bill	$5,040 (2026)
Deeds & Mortgages	Apr 2021 Refinance May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U35 B:00038 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U35 B:00038 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,715 sqft Living Area
Gross Area	2,250 sqft
Basement Area	96 sqft
Unfinished Basement	96 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,530 sqft (0.15 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	10 OAK LN
City	SPENCER
State	MA
Zip	01562-2910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Block	38
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1020
Census Tract	726100

Owner

Source: Worcester County and Spencer Town records, as of October 20, 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 OAK LN, SPENCER, MA 01562-2910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
May 5, 2017	Deed of Trust, Mortgage NATIONSTAR MORTGAGE LLC
Oct 29, 2018	Deed of Trust, Mortgage HOME LN & INVEST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2007 · Amount on Record
Deed Sale	Mar 9, 2007 · Amount on Record
Deed Document Number	200730934
Deed Book / Page	40796 / 371
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	10 OAK LN, SPENCER, MA 01562-2910
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64877-133
Date	Apr 7, 2021
Book Page	64877/133
Instrument	47758

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	10 OAK LN, SPENCER, MA 01562-2910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57073-78
Date	May 5, 2017
Book Page	57073/78
Instrument	45336

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	10 OAK LN, SPENCER, MA 01562-2910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59611-200
Date	Oct 29, 2018
Book Page	59611/200
Instrument	114658

Lender

Name	HOME LN & INVEST BK

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2038

Tax Assessment & Valuation

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	$5,040.00 (+10,623.4%)	$459,000 (+12.61%) Land $138,900 Building $320,100	$438,866 (-6.6%)
2025	$47.00 (-98.93%)	$407,600 (+5.73%) Land $105,600 Building $302,000	$469,870
2024	$4,410.00 (+2.63%)	$385,500 (+8.2%) Land $105,600 Building $279,900
2023	$4,297.00	$356,300 Land $105,600 Building $250,700

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

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

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