20 Holmes St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 20 Holmes St, Spencer, MA 01562

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,721 sqft · built 1880
Lot Size	1.69 acres (73,939 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Mar 2022)
Tax Bill	$4,998 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U04 B:00003 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U04 B:00003 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,721 sqft Living Area
Gross Area	4,636 sqft
Basement Area	1,432 sqft
Unfinished Basement	1,432 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	73,939 sqft (1.69 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20 HOLMES ST
City	SPENCER
State	MA
Zip	01562-2359
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR
Legal Block	3
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4022
Census Tract	726200

Owner

Source: Worcester County and Spencer Town records, as of October 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	20 HOLMES ST, SPENCER, MA 01562-2359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	May 1, 1978 · Amount on Record
Deed Book / Page	67362 / 270
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Mar 31, 2022
Property Address	20 HOLMES ST, SPENCER, MA 01562-2359
Document Number	067362-270
Book / Page	67362 / 270
Instrument Date	Mar 31, 2022
Instrument	35902
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	20 HOLMES ST, SPENCER, MA 01562-2359

Mortgage

Document Number	0000035903
Date	Mar 31, 2022
Instrument	35903

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,998.00 (+10,534.04%)	$455,200 (+11.79%) Land $65,900 Building $389,300	$441,959
2025	$47.00 (-98.91%)	$407,200 (+8.44%) Land $51,900 Building $355,300
2024	$4,296.00 (+3.82%)	$375,500 (+9.44%) Land $51,900 Building $323,600
2023	$4,138.00	$343,100 Land $55,800 Building $287,300

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

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

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.

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

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

May also be available: Verizon.

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