15 Pine Acres Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 15 Pine Acres Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,549 sqft · built 1972
Lot Size	1.19 acres (52,027 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,121 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Dec 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U37 B:00092 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U37 B:00092 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,549 sqft Living Area
Gross Area	3,590 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,027 sqft (1.19 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	15 PINE ACRES RD
City	SPENCER
State	MA
Zip	01562-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Subdivision	PINE ACRES
Legal Block	92
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 October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15 PINE ACRES RD, SPENCER, MA 01562-2912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Dec 2, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Dec 10, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CENTRAL ONE FEDERAL CREDIT UNION
Oct 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION
Sep 16, 2020	Deed of Trust, Mortgage · Balloon Mortgage CENTRAL ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	15 PINE ACRES RD, SPENCER, MA 01562-2912
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072152-82
Date	Jun 23, 2025
Book Page	72152/82
Instrument	50479

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	15 PINE ACRES RD, SPENCER, MA 01562-2912
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068556-158
Date	Dec 2, 2022
Book Page	68556/158
Instrument	128023

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	15 PINE ACRES RD, SPENCER, MA 01562-2912
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066719-248
Date	Dec 10, 2021
Book Page	66719/248
Instrument	172928

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	157 Months
Due	Jan 1, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	15 PINE ACRES RD, SPENCER, MA 01562-2912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61271-283
Date	Oct 22, 2019
Book Page	61271/283
Instrument	111338

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2029

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	15 PINE ACRES RD, SPENCER, MA 01562-2912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63263-46
Date	Sep 16, 2020
Book Page	63263/46
Instrument	106776

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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
2026	$6,121.00 (-3.27%)	$557,500 (+3.43%) Land $195,900 Building $361,600	$561,706 (-7.53%)
2025	$6,328.00 (+6.05%)	$539,000 (+3.34%) Land $170,500 Building $368,500	$607,430
2024	$5,967.00 (+2.65%)	$521,600 (+8.22%) Land $170,500 Building $351,100
2023	$5,813.00	$482,000 Land $170,500 Building $311,500

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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