16 Wall St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 16 Wall St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 ba · 5,442 sqft · built 1840
Lot Size	0.227 acres (9,898 sqft)
Owner	Company Name on File
Last Sale	$235,000 (Jan 2020)
Tax Bill	$3,257 (2025)
Deeds & Mortgages	Sep 2020 Refinance Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U07 B:00028 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U07 B:00028 L:00000`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	5,442 sqft Living Area
Gross Area	5,758 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	9,898 sqft (0.227 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	16 WALL ST
City	SPENCER
State	MA
Zip	01562-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	28
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3002
Census Tract	726200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Spencer Town Center Historic District (Boundary Increase) listed 2003 · 131 contributing resources · NRIS 03000685

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026

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

Owner of Record	Company Name on File
Mailing Address	16 WALL ST, SPENCER, MA 01562-2121
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Jan 29, 2020	Quit Claim Deed, Transfer · Conventional Mortgage JUSTIN M COOK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 29, 2020 · Amount on Record
Deed Sale	Jan 29, 2020 · Amount on Record
Deed Document Number	20209633
Deed Book / Page	61814 / 144
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	16 WALL ST, SPENCER, MA 01562
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63390-289
Date	Sep 30, 2020
Book Page	63390/289
Instrument	115014

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jan 29, 2020
Property Address	16 WALL ST, SPENCER, MA 01562
Document Number	61814-144
Book / Page	061814 / 000144
Instrument Date	Jan 27, 2020
Instrument	9633
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16 WALL ST SPENCER MA 01562, SPENCER, MA 01562

Mortgage

Document Number	61814-147
Date	Jan 29, 2020
Book Page	061814/000147
Instrument	9634

Lender

Name	JUSTIN M COOK

Agreement

Type	Conventional 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	$3,257.00 (+9.08%)	$277,400 (+6.28%) Land $38,900 Building $238,500	$375,535
2024	$2,986.00 (+4.81%)	$261,000 (+10.5%) Land $38,900 Building $222,100
2023	$2,849.00	$236,200 Land $38,900 Building $197,300

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	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.

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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