12 Holmes St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 12 Holmes St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,108 sqft · built 1978
Lot Size	0.24 acres (10,470 sqft)
Owner	Individual Name on File
Last Sale	$239,900 (Jun 2018)
Tax Bill	$3,962 (2026)
Deeds & Mortgages	Oct 2025 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U04 B:00007 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U04 B:00007 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,108 sqft Living Area
Gross Area	2,612 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,470 sqft (0.24 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	12 HOLMES ST
City	SPENCER
State	MA
Zip	01562-2358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Subdivision	BEDFORD HEIGHTS SEC D REV
Legal Block	7
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4022
Census Tract	726200

Owner

12 Holmes St is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	12 HOLMES ST, SPENCER, MA 01562-2358
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
Oct 29, 2025	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 6, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 15, 2018	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2018 · Amount on File
Deed Sale	Jun 15, 2018 · Amount on File
Prior Sale	Nov 23, 2005 · Amount on File
Deed Book / Page	58956 / 118
Transfer Doc	058956-118
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	12 HOLMES ST, SPENCER, MA 01562-2358
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072750-24
Date	Oct 29, 2025
Book Page	72750/24
Instrument	94003

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	12 HOLMES ST, SPENCER, MA 01562-2358
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067556-221
Date	May 6, 2022
Book Page	67556/221
Instrument	50219

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jun 15, 2018
Property Address	12 HOLMES ST, SPENCER, MA 01562-2358
Document Number	58956-118
Book / Page	58956 / 118
Instrument	59407
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25.39
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 HOLMES ST, SPENCER, MA 01562-2358

Mortgage

Document Number	589560121
Date	Jun 15, 2018
Instrument	58956/0121

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 12 Holmes St was $3,962, up 2.3% 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	$3,962.00 (+2.27%)	$360,800 (+9.33%) Land $47,400 Building $313,400	$375,431 (+16.68%)
2025	$3,874.00 (+7.94%)	$330,000 (+5.2%) Land $37,100 Building $292,900	$321,765
2024	$3,589.00 (+4.48%)	$313,700 (+10.15%) Land $37,100 Building $276,600
2023	$3,435.00	$284,800 Land $37,100 Building $247,700

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

Flood

FEMA maps place 12 Holmes 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

Wildfire risk around 12 Holmes 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	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 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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