18 High St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Apartments (5+ Units)
Details	5 bd · 4 ba · 3,727 sqft · built 1900
Lot Size	0.33 acres (14,384 sqft)
Owner	2 Company Names on File
Last Sale	$280,000 (Nov 2002)
Tax Bill	$4,650 (2026)
Deeds & Mortgages	Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U13 B:00093 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U13 B:00093 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Units	4 Units
Stories	2 Stories
Building Area	3,727 sqft Living Area
Gross Area	6,808 sqft
Basement Area	1,744 sqft
Unfinished Basement	1,744 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	High Rise
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,384 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	18 HIGH ST
City	SPENCER
State	MA
Zip	01562-2070
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	VR
Legal Block	93
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1020
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

18 High St, a residential property, is owned by a company that bought it in November 2002.

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

Owner of Record	2 Company Names on File
Mailing Address	5 HASTINGS RD, SPENCER, MA 01562-1407
Owner Type	Company
Vesting	Et Al (and Others)

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2002 · Amount on File
Deed Sale	Nov 12, 2002 · Amount on File
Prior Sale	Jul 1, 1994 · Amount on File
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	18 HIGH ST, SPENCER, MA 01562-2070
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64108-347
Date	Dec 30, 2020
Book Page	64108/347
Instrument	163791

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 18 High St was $4,650, up 10,233.3% 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
2026	$4,650.00 (+10,233.33%)	$423,500 (+9.21%) Land $49,300 Building $374,200
2025	$45.00 (-98.92%)	$387,800 (+6.86%) Land $38,600 Building $349,200
2024	$4,152.00 (+5.76%)	$362,900 (+11.49%) Land $38,600 Building $324,300
2023	$3,926.00	$325,500 Land $38,600 Building $286,900

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 18 High 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 High 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	None beyond 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 238 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