Worcester County and Spencer Town property record for 12 Spring St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,682 sqft · built 1955 |
| Lot Size | 0.194 acres (8,465 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $194,000 (Nov 2003) |
| Tax Bill | $3,819 (2026) |
| Deeds & Mortgages | Apr 2024 Mortgage Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U06 B:00096 L:00000 |
| Primary APN | SPEN M:00U06 B:00096 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,682 sqft Living Area |
| Gross Area | 3,675 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,465 sqft (0.194 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 12 SPRING ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 96 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4009 |
| 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 | 12 SPRING ST, SPENCER, MA 01562-2240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Apr 13, 2022 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 25, 2003 · Amount on Record |
| Deed Sale | Nov 25, 2003 · Amount on Record |
| Prior Sale | Jan 2, 1997 · Amount on Record |
| Deed Document Number | 2003309295 |
| Deed Book / Page | 32315 / 393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 12 SPRING ST, SPENCER, MA 01562-2240 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 070357-215 |
|---|---|
| Date | Apr 3, 2024 |
| Book Page | 70357/215 |
| Instrument | 24142 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 12 SPRING ST, SPENCER, MA 01562-2240 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067427-391 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 67427/391 |
| Instrument | 40625 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,819.00 (+9,214.63%) | $347,800 (-1.75%) Land $46,300 Building $301,500 | $354,782 (+2.91%) |
| 2025 | $41.00 (-98.92%) | $354,000 (+6.98%) Land $40,200 Building $313,800 | $344,755 |
| 2024 | $3,785.00 (+6.53%) | $330,900 (+12.32%) Land $40,200 Building $290,700 | |
| 2023 | $3,553.00 | $294,600 Land $40,200 Building $254,400 |
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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