18 Brown St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 18 Brown St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 630 sqft · built 1939
Lot Size	0.176 acres (7,656 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Oct 2019)
Tax Bill	$2,160 (2026)
Deeds & Mortgages	Apr 2021 Refinance Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U14 B:00036 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U14 B:00036 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	630 sqft Living Area
Gross Area	1,240 sqft
Basement Area	360 sqft
Unfinished Basement	360 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,656 sqft (0.176 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	18 BROWN ST
City	SPENCER
State	MA
Zip	01562-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	36
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4018
Census Tract	726200

Owner

18 Brown St is owned and occupied by an individual who bought it in October 2019.

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	18 BROWN ST, SPENCER, MA 01562-1702
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 21, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2019 · Amount on File
Deed Sale	Oct 21, 2019 · Amount on File
Prior Sale	Dec 1, 2005 · Amount on File
Deed Book / Page	61265 / 339
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	18 BROWN ST, SPENCER, MA 01562-1702
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064854-84
Date	Apr 5, 2021
Book Page	64854/84
Instrument	46204

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Oct 21, 2019
Property Address	18 BROWN ST, SPENCER, MA 01562-1702
Document Number	61265-339
Book / Page	61265 / 339
Instrument Date	Oct 21, 2019
Instrument	110931
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BROWN ST, SPENCER, MA 01562-1702

Mortgage

Document Number	110932
Date	Oct 21, 2019
Instrument	110932

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 18 Brown St was $2,160, up 11,268.4% from the year before.

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	$2,160.00 (+11,268.42%)	$196,700 (+17.93%) Land $45,800 Building $150,900	$239,421 (+34.77%)
2025	$19.00 (-98.96%)	$166,800 (+3.99%) Land $39,800 Building $127,000	$177,650
2024	$1,835.00 (+3.91%)	$160,400 (+9.56%) Land $39,800 Building $120,600
2023	$1,766.00	$146,400 Land $39,800 Building $106,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18 Brown St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 18 Brown St 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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