Worcester County and Spencer Town property record for 18 Main St, Spencer, MA 01562
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 1,901 sqft · built 1890 |
| Lot Size | 0.26 acres (11,320 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jul 2017) |
| Tax Bill | $3,430 (2026) |
| Deeds & Mortgages | Dec 2020 Refinance Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U08 B:00131 L:00000 |
| Primary APN | SPEN M:00U08 B:00131 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,901 sqft Living Area |
| Gross Area | 3,664 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,320 sqft (0.26 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 18 MAIN ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2103 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | VR |
| Legal Block | 131 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 726200 |
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.
18 Main St, a duplex, is owned and occupied by an individual who bought it in July 2017.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 18 MAIN ST, SPENCER, MA 01562-2103 |
| 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 |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINT MORTGAGE INC |
| Jul 14, 2017 | Quit Claim Deed, Transfer NORTHPOINT MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2017 · Amount on File |
| Deed Sale | Jul 14, 2017 · Amount on File |
| Prior Sale | Aug 12, 1999 · Amount on File |
| Deed Book / Page | 57416 / 223 |
| Transfer Doc | 057416-223 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 18 MAIN ST, SPENCER, MA 01562-2103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63972-233 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 63972/233 |
| Instrument | 154836 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 253 Months |
| Due | Jan 1, 2042 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jul 14, 2017 |
| Property Address | 18 MAIN ST, SPENCER, MA 01562-2103 |
| Document Number | 57416-223 |
| Book / Page | 57416 / 223 |
| Instrument | 74574 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20.08 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 MAIN ST, SPENCER, MA 01562-2103 |
| Investor | Possibly a Property Investor |
| Document Number | 574160226 |
|---|---|
| Date | Jul 14, 2017 |
| Instrument | 57416/0226 |
| Name | NORTHPOINT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 14, 2047 |
The 2026 property tax bill for 18 Main St was $3,430, up 10,618.8% 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 | $3,430.00 (+10,618.75%) | $312,400 (+11.77%) Land $47,800 Building $264,600 | $337,151 |
| 2025 | $32.00 (-98.92%) | $279,500 (+8.21%) Land $37,400 Building $242,100 | |
| 2024 | $2,955.00 (+4.9%) | $258,300 (+10.57%) Land $37,400 Building $220,900 | |
| 2023 | $2,817.00 | $233,600 Land $37,400 Building $196,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Main St in Zone X, an area of minimal flood risk.
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 risk around 18 Main 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 | 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 233 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures