14 Pine Acres Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 14 Pine Acres Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1982
Lot Size	0.421 acres (18,341 sqft)
Owner	Individual Name on Record
Last Sale	$419,900 (Feb 2023)
Tax Bill	$45 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U37 B:00091 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U37 B:00091 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,204 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,341 sqft (0.421 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	14 PINE ACRES RD
City	SPENCER
State	MA
Zip	01562-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PINE ACRES
Legal Block	91
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1004
Census Tract	726100

Owner

Source: Worcester County and Spencer Town records, as of May 28, 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	14 PINE ACRES RD, SPENCER, MA 01562-2913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage ROSS MORTGAGE COMPANY INC
Feb 24, 2023	Quit Claim Deed, Transfer · FHA Mortgage ROSS MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023 · Amount on Record
Deed Sale	Feb 24, 2023 · Amount on Record
Prior Sale	Oct 17, 1996 · Amount on Record
Deed Document Number	202315604
Deed Book / Page	68859 / 149
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	14 PINE ACRES RD, SPENCER, MA 01562-2913
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073295-289
Date	Mar 11, 2026
Book Page	73295/289
Instrument	18310

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 24, 2023
Property Address	14 PINE ACRES RD, SPENCER, MA 01562-2913
Document Number	068859-149
Book / Page	68859 / 149
Instrument Date	Feb 24, 2023
Instrument	15604
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	14 PINE ACRES RD, SPENCER, MA 01562-2913

Mortgage

Document Number	0000015605
Date	Feb 24, 2023
Instrument	15605

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$45.00 (-98.92%)	$383,500 (+5.27%) Land $126,000 Building $257,500	$461,605
2024	$4,168.00 (+2.56%)	$364,300 (+8.1%) Land $126,000 Building $238,300
2023	$4,064.00	$337,000 Land $126,000 Building $211,000

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 November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1993 · rainfall accumulation

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 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 54 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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