20 Summit St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,089 sqft · built 1920
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$111,500 (Jul 2008)
Tax Bill	$2,903 (2026)
Deeds & Mortgages	Nov 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U06 B:00016 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U06 B:00016 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,089 sqft Living Area
Gross Area	2,169 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,750 sqft (0.132 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20 SUMMIT ST
City	SPENCER
State	MA
Zip	01562-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	16
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4013
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 SUMMIT ST, SPENCER, MA 01562-2225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2008 · Amount on Record
Deed Sale	Jul 3, 2008 · Amount on Record
Prior Sale	Jun 4, 2008 · Amount on Record
Deed Book / Page	43060 / 253
Last Transfer Date	Nov 4, 2021
Transfer Doc	066486-161
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Nov 9, 2021
Property Address	20 SUMMIT ST, SPENCER, MA 01562-2225
Document Number	066486-161
Book / Page	66486 / 161
Instrument Date	Nov 4, 2021
Instrument	157164
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SUMMIT ST, SPENCER, MA 01562-2225

Mortgage

Document Number	066486-163
Date	Nov 9, 2021
Book Page	66486/163
Instrument	157165

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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	$2,903.00 (+11,065.38%)	$264,400 (+15.91%) Land $44,600 Building $219,800	$302,200 (+23.39%)
2025	$26.00 (-98.94%)	$228,100 (+6.74%) Land $34,900 Building $193,200	$244,910
2024	$2,445.00 (+5.25%)	$213,700 (+10.96%) Land $34,900 Building $178,800
2023	$2,323.00	$192,600 Land $34,900 Building $157,700

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

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