Worcester County and Spencer Town property record for 20 Irving St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,172 sqft · built 1929 |
| Lot Size | 0.156 acres (6,801 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,650 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U06 B:00102 L:00000 |
| Primary APN | SPEN M:00U06 B:00102 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,172 sqft Living Area |
| Gross Area | 2,317 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,801 sqft (0.156 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 20 IRVING ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 102 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 726200 |
20 Irving St is owned and occupied by two individuals.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 IRVING ST, SPENCER, MA 01562-2219 |
| 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 |
|---|---|
| Nov 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC |
| Mar 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 20 IRVING ST, SPENCER, MA 01562-2219 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66458-378 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | 66458/378 |
| Instrument | 155344 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 20 IRVING ST, SPENCER, MA 01562-2219 |
| Document Number | 60130-311 |
| Instrument Date | Mar 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 IRVING ST SPENCER MA 015622219, SPENCER, MA 01562-2219 |
| Document Number | 60130-311 |
|---|---|
| Date | Mar 8, 2019 |
| Book Page | 060130/000311 |
| Instrument | 20886 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 7, 2034 |
The 2026 property tax bill for 20 Irving St was $3,650, up 11,674.2% 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 | $3,650.00 (+11,674.19%) | $332,400 (+22.07%) Land $45,200 Building $287,200 | $303,939 (-3.78%) |
| 2025 | $31.00 (-98.96%) | $272,300 (+4.65%) Land $35,400 Building $236,900 | $315,875 |
| 2024 | $2,977.00 (+5.49%) | $260,200 (+11.2%) Land $35,400 Building $224,800 | |
| 2023 | $2,822.00 | $234,000 Land $35,400 Building $198,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Irving 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 risk around 20 Irving 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 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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