Worcester County and Spencer Town property record for 10 Powers St, Spencer, MA 01562
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,664 sqft · built 1900 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (May 2025) |
| Tax Bill | $3,284 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit May 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U14 B:00099 L:00000 |
| Primary APN | SPEN M:00U14 B:00099 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,664 sqft Living Area |
| Gross Area | 2,788 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 10 POWERS ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1718 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | VR |
| Legal Block | 99 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 726200 |
10 Powers St, a duplex, is owned and occupied by an individual who bought it in May 2025.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 POWERS ST, SPENCER, MA 01562-1718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 2, 2022 | Deed of Trust, Mortgage · Line of Credit WORCESTER CU |
| May 8, 2025 | Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2025 · Amount on File |
| Deed Sale | May 8, 2025 · Amount on File |
| Prior Sale | Mar 31, 2016 · Amount on File |
| Deed Book / Page | 71961 / 170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 10 POWERS ST, SPENCER, MA 01562-1718 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0068441-35 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | 68441/35 |
| Instrument | 118799 |
| Name | WORCESTER CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | May 8, 2025 |
| Property Address | 10 POWERS ST, SPENCER, MA 01562-1718 |
| Document Number | 071961-170 |
| Book / Page | 71961 / 170 |
| Instrument Date | May 8, 2025 |
| Instrument | 36447 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| 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 POWERS ST, SPENCER, MA 01562-1718 |
| Document Number | 0000036448 |
|---|---|
| Date | May 8, 2025 |
| Instrument | 36448 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 10 POWERS ST, SPENCER, MA 01562-1718 |
| Document Number | 63844-176 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10 POWERS ST SPENCER MA 015621718, SPENCER, MA 01562-1718 |
| Document Number | 63844-176 |
|---|---|
| Date | Nov 27, 2020 |
| Book Page | 063844/000176 |
| Instrument | 145788 |
| Name | NATIONS LNDG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 26, 2050 |
The 2026 property tax bill for 10 Powers St was $3,284, up 7.6% from the year before.
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 |
|---|---|---|---|
| 2026 | $3,284.00 (+7.6%) | $299,100 (+15.04%) Land $47,200 Building $251,900 | $340,685 |
| 2025 | $3,052.00 (+10.94%) | $260,000 (+8.11%) Land $41,000 Building $219,000 | |
| 2024 | $2,751.00 (+4.56%) | $240,500 (+10.22%) Land $41,000 Building $199,500 | |
| 2023 | $2,631.00 | $218,200 Land $41,000 Building $177,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Powers St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 10 Powers St 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.
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 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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