10 Pine Acres Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 10 Pine Acres Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,396 sqft · built 2006
Lot Size	1.3 acres (56,761 sqft)
Owner	2 Trust Names on File
Last Sale	$160,000 (Apr 1992)
Tax Bill	$6,349 (2026)
Deeds & Mortgages	May 2023 Sale Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U36 B:00015 L:00002`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U36 B:00015 L:00002`
Alternative APN	`3615`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,396 sqft Living Area
Gross Area	3,686 sqft
Basement Area	824 sqft
Unfinished Basement	824 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,761 sqft (1.3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3615
Street Address	10 PINE ACRES RD
City	SPENCER
State	MA
Zip	01562-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	15
Legal Lot Number	2
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1004
Census Tract	726100

Owner

10 Pine Acres Rd is owner-occupied and held in a trust since April 1992.

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	2 Trust Names on File
Mailing Address	10 PINE ACRES RD, SPENCER, MA 01562-2913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed, Transfer
Apr 23, 2018	Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 1992 · Amount on File
Deed Sale	Apr 8, 1992 · Amount on File
Deed Book / Page	14115 / 267
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SPENCER MA
Recording Date	May 31, 2023
Property Address	10 PINE ACRES RD, SPENCER, MA 01562-2913
Document Number	069192-129
Book / Page	69192 / 129
Instrument Date	May 10, 2023
Instrument	41670
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PINE ACRES RD, SPENCER, MA 01562-2913

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	10 PINE ACRES RD, SPENCER, MA 01562-2913
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58698-253
Date	Apr 23, 2018
Book Page	58698/253
Instrument	37696

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

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	$6,349.00 (+9,667.69%)	$578,200 (+3.31%) Land $99,000 Building $479,200	$490,211 (+10.07%)
2025	$65.00 (-98.94%)	$559,700 (+4.42%) Land $86,200 Building $473,500	$445,360
2024	$6,132.00 (+7.11%)	$536,000 (+12.91%) Land $86,200 Building $449,800
2023	$5,725.00	$474,700 Land $86,200 Building $388,500

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

Flood

FEMA maps place 10 Pine Acres Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 10 Pine Acres Rd 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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