Worcester County and Spencer Town property record for 10 Watson St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,370 sqft · built 1920 |
| Lot Size | 0.396 acres (17,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Nov 2018) |
| Tax Bill | $4,511 (2026) |
| Deeds & Mortgages | Aug 2020 Refinance Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U06 B:00013 L:00000 |
| Primary APN | SPEN M:00U06 B:00013 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,370 sqft Living Area |
| Gross Area | 4,178 sqft |
| Basement Area | 1,050 sqft |
| Unfinished Basement | 1,050 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,250 sqft (0.396 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 10 WATSON ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 13 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 726200 |
Source: Worcester County and Spencer Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10 WATSON ST, SPENCER, MA 01562-2247 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SECURITY FIRST MORTGAGE FUNDING |
| Nov 15, 2018 | Quit Claim Deed, Transfer · FHA Mortgage MEMBERS ADVANTAGE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2018 · Amount on Record |
| Deed Sale | Nov 15, 2018 · Amount on Record |
| Prior Sale | May 27, 2005 · Amount on Record |
| Deed Book / Page | 59696 / 355 |
| Transfer Doc | 059696-355 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 10 WATSON ST, SPENCER, MA 01562-2247 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63006-315 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 63006/315 |
| Instrument | 89740 |
| Name | SECURITY FIRST MORTGAGE FUNDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Nov 15, 2018 |
| Property Address | 10 WATSON ST, SPENCER, MA 01562-2247 |
| Document Number | 59696-355 |
| Book / Page | 59696 / 355 |
| Instrument | 121769 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35.21 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 596960357 |
|---|---|
| Date | Nov 15, 2018 |
| Instrument | 59696/0357 |
| Name | MEMBERS ADVANTAGE MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2048 |
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 | $4,511.00 (+10,152.27%) | $410,800 (+8.16%) Land $51,400 Building $359,400 | $418,653 (+17.45%) |
| 2025 | $44.00 (-98.92%) | $379,800 (+6.93%) Land $40,300 Building $339,500 | $356,440 |
| 2024 | $4,063.00 (+6.64%) | $355,200 (+12.44%) Land $40,300 Building $314,900 | |
| 2023 | $3,810.00 | $315,900 Land $40,300 Building $275,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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