139 Spencer Rd, Oakham, MA 01068 Property Records

Worcester County and Oakham Town property record for 139 Spencer Rd, Oakham, MA 01068

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,891 sqft · built 1953
Lot Size	9.24 acres (402,494 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Oct 2018)
Tax Bill	$4,181 (2025)
Deeds & Mortgages	May 2020 Refinance Oct 2018 Sale & Mortgage
APN	`409-55`

Property Details

APN / Parcel Number

Primary APN	`409-55`
Alternative APN	`OAKH M:4090 B:0000 L:00550`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,891 sqft Living Area
Gross Area	3,145 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	402,494 sqft (9.24 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	409-55
Street Address	139 SPENCER RD
City	OAKHAM
State	MA
Zip	01068-9535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	550
Jurisdiction	OAKHAM MA
Township / Civil Division	OAKHAM
Census Block Group	1
Census Block	1049
Census Tract	721101

Owner

139 Spencer Rd is owned and occupied by two individuals who bought it in October 2018.

Source: Worcester County and Oakham Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	139 SPENCER RD, OAKHAM, MA 01068-9535
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
May 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Oct 17, 2018	Quit Claim Deed, Transfer NEW FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2018 · Amount on File
Deed Sale	Oct 17, 2018 · Amount on File
Prior Sale	Sep 15, 2014 · Amount on File
Deed Book / Page	59556 / 357
Transfer Doc	059556-357
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	139 SPENCER RD, OAKHAM, MA 01068-9535
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062413-19
Date	May 18, 2020
Book Page	62413/19
Instrument	50287

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKHAM MA
Recording Date	Oct 17, 2018
Property Address	139 SPENCER RD, OAKHAM, MA 01068-9535
Document Number	59556-357
Book / Page	59556 / 357
Instrument	110064
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	$32.06
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	595560361
Date	Oct 17, 2018
Instrument	59556/0361

Lender

Name	NEW FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 139 Spencer Rd was $4,181, up 5.9% from the year before.

Source: Worcester County and Oakham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Oakham Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,181.00 (+5.93%)	$362,000 (+1.63%) Land $153,600 Building $208,400	$410,495 (+11.17%)
2024	$3,947.00 (+6.82%)	$356,200 (+11.52%) Land $151,000 Building $205,200	$369,265
2023	$3,695.00	$319,400 Land $135,200 Building $184,200

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

Flood

FEMA's flood maps do not cover 139 Spencer Rd; there have been 2 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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 139 Spencer 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 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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