16 Howe Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 16 Howe Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,023 sqft · built 1983
Lot Size	1.65 acres (72,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jan 2025)
Tax Bill	$5,128 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R23 B:00026 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R23 B:00026 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,023 sqft Living Area
Gross Area	3,624 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	72,197 sqft (1.65 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	16 HOWE RD
City	SPENCER
State	MA
Zip	01562-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	26
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2009
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	16 HOWE RD, SPENCER, MA 01562-2712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION
Dec 18, 2020	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2025 · Amount on Record
Deed Sale	Jan 29, 2025 · Amount on Record
Prior Sale	May 16, 2008 · Amount on Record
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	16 HOWE RD, SPENCER, MA 01562-2712
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00067899-3
Date	Jul 13, 2022
Book Page	67899/3
Instrument	76337

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	16 HOWE RD, SPENCER, MA 01562-2712
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64013-201
Date	Dec 18, 2020
Book Page	64013/201
Instrument	157729

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,128.00 (+10,583.33%)	$467,000 (+13.87%) Land $65,800 Building $401,200	$473,603 (-13.94%)
2025	$48.00 (-98.91%)	$410,100 (+6.6%) Land $57,400 Building $352,700	$550,335
2024	$4,401.00 (+3.82%)	$384,700 (+9.45%) Land $57,400 Building $327,300
2023	$4,239.00	$351,500 Land $57,400 Building $294,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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