10 Sunset Ln, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1955
Lot Size	0.286 acres (12,475 sqft)
Owner	2 Individual Names on File
Last Sale	$334,000 (Nov 2025)
Tax Bill	$2,806 (2026)
Deeds & Mortgages	Sep 2021 Refinance Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U06 B:00134 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U06 B:00134 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	1,158 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,475 sqft (0.286 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	10 SUNSET LN
City	SPENCER
State	MA
Zip	01562-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	134
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4011
Census Tract	726200

Owner

10 Sunset Ln is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 SUNSET LN, SPENCER, MA 01562-2340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Sep 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Nov 5, 2025	Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2025 · Amount on File
Deed Sale	Nov 5, 2025 · Amount on File
Prior Sale	Feb 23, 2017 · Amount on File
Deed Book / Page	72785 / 281
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	10 SUNSET LN, SPENCER, MA 01562-2340
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066009-255
Date	Sep 8, 2021
Book Page	66009/255
Instrument	125771

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Nov 5, 2025
Property Address	10 SUNSET LN, SPENCER, MA 01562-2340
Document Number	072785-281
Book / Page	72785 / 281
Instrument Date	Nov 5, 2025
Instrument	96502
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	Joint Tenants with Right of Survivorship
Address	10 SUNSET LN, SPENCER, MA 01562-2340

Mortgage

Document Number	0000096503
Date	Nov 5, 2025
Instrument	96503

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 10 Sunset Ln was $2,806, down 9.4% 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	$2,806.00 (-9.4%)	$255,600 (-3.11%) Land $53,300 Building $202,300	$316,216 (+24.62%)
2025	$3,097.00 (+9.4%)	$263,800 (+6.59%) Land $46,300 Building $217,500	$253,745
2024	$2,831.00 (+6.79%)	$247,500 (+12.6%) Land $46,300 Building $201,200
2023	$2,651.00	$219,800 Land $46,300 Building $173,500

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

Flood

FEMA maps place 10 Sunset Ln 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

Wildfire risk around 10 Sunset Ln 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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