Worcester County and Spencer Town property record for 16 Temple St, Spencer, MA 01562
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 1,742 sqft · built 1887 |
| Lot Size | 0.058 acres (2,526 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $143,100 (Nov 2018) |
| Tax Bill | $3,085 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Jul 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U08 B:00078 L:00000 |
| Primary APN | SPEN M:00U08 B:00078 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,742 sqft Living Area |
| Gross Area | 2,824 sqft |
| Basement Area | 865 sqft |
| Unfinished Basement | 865 sqft |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 1887 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,526 sqft (0.058 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 16 TEMPLE ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2572 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | VR |
| Legal Block | 78 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 726200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 16 TEMPLE ST, SPENCER, MA 01562-2572 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jul 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Jan 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 27, 2018 | Quit Claim Deed, Transfer · FHA Mortgage LAND HOME FNCL SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 27, 2018 · Amount on Record |
| Deed Sale | Nov 27, 2018 · Amount on Record |
| Prior Sale | Apr 30, 2008 · Amount on Record |
| Deed Book / Page | 59741 / 19 |
| Transfer Doc | 0059741-19 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 16 TEMPLE ST, SPENCER, MA 01562-2572 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067821-207 |
|---|---|
| Date | Jun 28, 2022 |
| Book Page | 67821/207 |
| Instrument | 70424 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 16 TEMPLE ST, SPENCER, MA 01562-2572 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0070748-17 |
|---|---|
| Date | Jul 12, 2024 |
| Book Page | 70748/17 |
| Instrument | 54120 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 16 TEMPLE ST, SPENCER, MA 01562-2572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61741-221 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 61741/221 |
| Instrument | 4007 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Nov 27, 2018 |
| Property Address | 16 TEMPLE ST, SPENCER, MA 01562-2572 |
| Document Number | 59741-19 |
| Book / Page | 59741 / 19 |
| Instrument | 125503 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16.18 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 597410022 |
|---|---|
| Date | Nov 27, 2018 |
| Instrument | 59741/0022 |
| Name | LAND HOME FNCL SVCS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 27, 2048 |
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 | $3,085.00 (+10,917.86%) | $281,000 (+17.47%) Land $37,900 Building $243,100 | $337,583 |
| 2025 | $28.00 (-98.89%) | $239,200 (+8.43%) Land $29,700 Building $209,500 | |
| 2024 | $2,524.00 (+4.99%) | $220,600 (+10.69%) Land $29,700 Building $190,900 | |
| 2023 | $2,404.00 | $199,300 Land $29,700 Building $169,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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 |
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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