1091 Spencer St, Fall River, MA 02721 Property Records

Bristol County and Fall River City property record for 1091 Spencer St, Fall River, MA 02721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,800 sqft · built 1955
Lot Size	0.135 acres (5,898 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,000 (Oct 1998)
Tax Bill	$5,727 (2025)
Deeds & Mortgages	May 2021 Refinance Feb 2017 Mortgage
Flood Zone	Zone A (high risk)
APN	`FALL M:0D-09 B:0000 L:0052`

Property Details

APN / Parcel Number

Primary APN	`FALL M:0D-09 B:0000 L:0052`
Alternative APN	`M:0D=09 B:0000 L:0052`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	3,918 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1974
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,898 sqft (0.135 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	1091 SPENCER ST
City	FALL RIVER
State	MA
Zip	02721-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S
Legal Lot Number	52
Jurisdiction	FALL RIVER MA
Township / Civil Division	FALL RIVER
Census Block Group	3
Census Block	3013
Census Tract	640800

Owner

Source: Bristol County and Fall River City records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1091 SPENCER ST, FALL RIVER, MA 02721-4544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance E MORTGAGE MANAGEMENT LLC
Feb 10, 2017	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 1998 · Amount on Record
Deed Sale	Oct 20, 1998 · Amount on Record
Prior Sale	Feb 26, 1988 · Amount on Record
Deed Book / Page	3496 / 275
Record Updated	Sep 20, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	May 4, 2021
Property Address	1091 SPENCER ST, FALL RIVER, MA 02721-4544
Document Number	10553-215
Book / Page	10553 / 215
Instrument Date	Apr 29, 2021
Instrument	10177
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1091 SPENCER ST, FALL RIVER, MA 02721-4544

Mortgage

Document Number	10553-219
Date	May 4, 2021
Book Page	10553/219
Instrument	10178

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	1091 SPENCER ST, FALL RIVER, MA 02721-4544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9178-175
Date	Feb 10, 2017
Book Page	9178/175
Instrument	2333

Lender

Name	SANTANDER BK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Bristol County and Fall River City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Bristol County
Municipality	Fall River City
Unified School District	Fall River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,727.00 (+5.74%)	$500,200 (+6.11%) Land $194,400 Building $305,800	$436,525 (-2.71%)
2024	$5,416.00 (-3.87%)	$471,400 (+2.66%) Land $187,100 Building $284,300	$448,685
2023	$5,634.00	$459,200 Land $178,000 Building $281,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FALL RIVER WATER DEPARTMENT serves 94,000 people · EPA ID MA4095000
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	12 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Cox Communications.

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