108 Clark Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 108 Clark Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,302 sqft · built 2005
Lot Size	0.133 acres (5,800 sqft)
Owner	Individual Name on File
Last Sale	$272,000 (Mar 2017)
Tax Bill	$3,514 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Jan 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U27 B:00065 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U27 B:00065 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,302 sqft Living Area
Gross Area	3,212 sqft
Basement Area	756 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,800 sqft (0.133 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	108 CLARK RD
City	SPENCER
State	MA
Zip	01562-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Subdivision	WILDWOOD PARK
Legal Block	65
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3015
Census Tract	726100

Owner

108 Clark Rd is owned and occupied by an individual who bought it in March 2017.

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

Owner of Record	Individual Name on File
Mailing Address	108 CLARK RD, SPENCER, MA 01562-3126
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit WORCESTER POLICE DEPARTMENT CREDIT UNION
Jan 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Dec 20, 2021	Deed of Trust, Mortgage · VA Mortgage RADIUS FINANCIAL GROUP
Mar 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC
Mar 31, 2017	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Prior Sale	Apr 9, 2009 · Amount on File
Deed Book / Page	56926 / 202
Transfer Doc	056926-202
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	108 CLARK RD, SPENCER, MA 01562-3126
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064668-114
Date	Mar 12, 2021
Book Page	64668/114
Instrument	34558

Lender

Name	WORCESTER POLICE DEPARTMENT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	108 CLARK RD, SPENCER, MA 01562-3126
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064139-300
Date	Jan 4, 2021
Book Page	64139/300
Instrument	202100000382

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	108 CLARK RD, SPENCER, MA 01562-3126
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066782-155
Date	Dec 20, 2021
Book Page	66782/155
Instrument	177239

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	108 CLARK RD, SPENCER, MA 01562-3126
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067335-159
Date	Mar 28, 2022
Book Page	67335/159
Instrument	33979

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Mar 31, 2017
Property Address	108 CLARK RD, SPENCER, MA 01562-3126
Document Number	56926-202
Book / Page	056926 / 000202
Instrument Date	Mar 20, 2017
Instrument	32744
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CLARK RD SPENCER MA 015623126, SPENCER, MA 01562-3126

Mortgage

Document Number	56926-204
Date	Mar 31, 2017
Book Page	056926/000204
Instrument	32745

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 108 Clark Rd was $3,514, up 9,397.3% 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	$3,514.00 (+9,397.3%)	$320,000 (+0.25%) Land $49,100 Building $270,900	$392,752 (-7.96%)
2025	$37.00 (-98.94%)	$319,200 (+4.28%) Land $42,700 Building $276,500	$426,740
2024	$3,502.00 (+6.38%)	$306,100 (+12.12%) Land $42,700 Building $263,400
2023	$3,292.00	$273,000 Land $42,700 Building $230,300

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

Flood

FEMA maps place 108 Clark 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	1 in force

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 108 Clark 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 37 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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