169 Spencer Rd, Oakham, MA 01068 Property Records

Worcester County and Oakham Town property record for 169 Spencer Rd, Oakham, MA 01068

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,008 sqft · built 1992
Lot Size	11 acres (479,160 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Nov 2017)
Tax Bill	$4,293 (2025)
Deeds & Mortgages	Jun 2022 Refinance Apr 2024 Refinance + 4 more
APN	`OAKH M:4090 B:0000 L:00552`

Property Details

APN / Parcel Number

Primary APN	`OAKH M:4090 B:0000 L:00552`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,352 sqft
Basement Area	500 sqft
Unfinished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asphalt
Lot Area	479,160 sqft (11 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	169 SPENCER RD
City	OAKHAM
State	MA
Zip	01068-9535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	552
Jurisdiction	OAKHAM MA
Township / Civil Division	OAKHAM
Census Block Group	1
Census Block	1049
Census Tract	721101

Owner

Source: Worcester County and Oakham Town records, as of July 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	169 SPENCER RD, OAKHAM, MA 01068-9535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH BROOKFIELD SAVINGS BANK
Apr 30, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH BROOKFIELD SAVINGS BANK
May 25, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 27, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Sep 13, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 3, 2017	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CTR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2017 · Amount on Record
Deed Sale	Nov 3, 2017 · Amount on Record
Deed Book / Page	57995 / 68
Last Transfer Date	Oct 5, 2021
Transfer Doc	067645-303
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	169 SPENCER RD, OAKHAM, MA 01068-9535
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067735-269
Date	Jun 13, 2022
Book Page	67735/269
Instrument	63861

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	169 SPENCER RD, OAKHAM, MA 01068-9535
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070449-76
Date	Apr 30, 2024
Book Page	70449/76
Instrument	31248

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKHAM MA
Recording Date	May 25, 2022
Property Address	169 SPENCER RD, OAKHAM, MA 01068-9535
Document Number	067645-303
Book / Page	67645 / 303
Instrument Date	Oct 5, 2021
Instrument	56983
Transaction Type	Transfer
Record Updated	Jun 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 SPENCER RD, OAKHAM, MA 01068-9535

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	169 SPENCER RD, OAKHAM, MA 01068-9535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63593-158
Date	Oct 27, 2020
Book Page	63593/158
Instrument	128650

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	169 SPENCER RD, OAKHAM, MA 01068-9535
Document Number	61076-35
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	169 SPENCER RD OAKHAM MA 010689535, OAKHAM, MA 01068-9535

Mortgage

Document Number	61076-35
Date	Sep 19, 2019
Book Page	061076/000035
Instrument	96516

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKHAM MA
Recording Date	Nov 3, 2017
Property Address	169 SPENCER RD, OAKHAM, MA 01068-9535
Document Number	57995-68
Book / Page	057995 / 000068
Instrument Date	Oct 23, 2017
Instrument	123549
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,390.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 SPENCER RD OAKHAM MA 010689535, OAKHAM, MA 01068-9535

Mortgage

Document Number	57995-72
Date	Nov 3, 2017
Book Page	057995/000072
Instrument	123550

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Oakham Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,293.00 (+5.84%)	$371,700 (+1.53%) Land $159,700 Building $212,000	$418,855 (+4.45%)
2024	$4,056.00 (-3.34%)	$366,100 (+0.94%) Land $157,100 Building $209,000	$400,995
2023	$4,196.00	$362,700 Land $141,300 Building $221,400

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	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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