Worcester County and Spencer Town property record for 14 Bell St, Spencer, MA 01562
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,200 sqft · built 1880 |
| Lot Size | 0.255 acres (11,108 sqft) |
| Owner | Company Name on File |
| Last Sale | $375,000 (Dec 2023) |
| Tax Bill | $4,051 (2026) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U12 B:00013 L:00000 |
| Primary APN | SPEN M:00U12 B:00013 L:00000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,200 sqft Living Area |
| Gross Area | 3,664 sqft |
| Basement Area | 908 sqft |
| Unfinished Basement | 908 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,108 sqft (0.255 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 14 BELL ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2038 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | VR |
| Legal Block | 13 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 726200 |
14 Bell St, a duplex, is owned by a company that bought it in December 2023.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 612 MILL ST, WORCESTER, MA 01602-1778 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 15, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK |
| Nov 1, 2022 | Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 31, 2020 | Deed, Transfer · Stand-Alone First Mortgage MAIN STREET BANK (MA) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2023 · Amount on File |
| Deed Sale | Dec 15, 2023 · Amount on File |
| Prior Sale | Nov 1, 2022 · Amount on File |
| Deed Book / Page | 70001 / 333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Dec 15, 2023 |
| Property Address | 14 BELL ST, SPENCER, MA 01562-2038 |
| Document Number | 070001-333 |
| Book / Page | 70001 / 333 |
| Instrument Date | Dec 15, 2023 |
| Instrument | 105287 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 612 MILL ST, WORCESTER, MA 01602-1778 |
| Document Number | 0000105288 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 105288 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Nov 1, 2022 |
| Property Address | 14 BELL ST, SPENCER, MA 01562-2038 |
| Document Number | 0068435-31 |
| Book / Page | 68435 / 31 |
| Instrument Date | Nov 1, 2022 |
| Instrument | 118347 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 BELL ST, SPENCER, MA 01562-2038 |
| Document Number | 0000118348 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 118348 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Aug 31, 2020 |
| Property Address | 14 BELL ST, SPENCER, MA 01562-2038 |
| Document Number | 63154-27 |
| Book / Page | 63154 / 27 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 99328 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 33 ROYAL RD, WORCESTER, MA 01603-1942 |
| Document Number | 99329 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 99329 |
| Name | MAIN STREET BANK (MA) |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 14 Bell St was $4,051, up 9,106.8% from the year before.
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 | $4,051.00 (+9,106.82%) | $368,900 (-3.35%) Land $47,700 Building $321,200 | $392,888 |
| 2025 | $44.00 (-98.91%) | $381,700 (+7.67%) Land $41,500 Building $340,200 | |
| 2024 | $4,055.00 (+34.72%) | $354,500 (+42.03%) Land $41,500 Building $313,000 | |
| 2023 | $3,010.00 | $249,600 Land $41,500 Building $208,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Bell 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 risk around 14 Bell 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.
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 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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