Worcester County and Spencer Town property record for 18 4th Ave, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,056 sqft · built 1994 |
| Lot Size | 0.591 acres (25,740 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $29,000 (Nov 1996) |
| Tax Bill | $3,841 (2026) |
| Deeds & Mortgages | Sep 2018 Mortgage Apr 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U24 B:00022 L:00001 |
| Primary APN | SPEN M:00U24 B:00022 L:00001 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 2,524 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,740 sqft (0.591 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 18 4TH AVE |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 22 |
| Legal Lot Number | 1 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 726200 |
18 4th Ave is owned and occupied by two individuals who bought it in November 1996.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18 4TH AVE, SPENCER, MA 01562-2008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 24, 2018 | Deed of Trust, Mortgage CORNERSTONE BANK |
| Apr 3, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 1996 · Amount on File |
| Deed Sale | Nov 15, 1996 · Amount on File |
| Prior Sale | Jan 27, 1994 · Amount on File |
| Deed Book / Page | 18405 / 159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 18 4TH AVE, SPENCER, MA 01562-2008 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59445-117 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 59445/117 |
| Instrument | 100679 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Sep 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 18 4TH AVE, SPENCER, MA 01562-2008 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60228-125 |
|---|---|
| Date | Apr 3, 2019 |
| Book Page | 60228/125 |
| Instrument | 28926 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2034 |
The 2026 property tax bill for 18 4th Ave was $3,841, down 5.4% from the year before.
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 | $3,841.00 (-5.42%) | $349,800 (+1.13%) Land $56,500 Building $293,300 | $340,927 (+15.02%) |
| 2025 | $4,061.00 (+9.49%) | $345,900 (+6.69%) Land $49,300 Building $296,600 | $296,400 |
| 2024 | $3,709.00 (+7.2%) | $324,200 (+13%) Land $49,300 Building $274,900 | |
| 2023 | $3,460.00 | $286,900 Land $49,300 Building $237,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 4th Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 18 4th Ave is low, with a 0.01% annual chance of 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 |
| Adjoins Burnable Land | Yes |
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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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