20 Sunset Ln, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 20 Sunset Ln, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,540 sqft · built 1960
Lot Size	0.24 acres (10,466 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,500 (May 2024)
Tax Bill	$3,970 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U06 B:00129 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U06 B:00129 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
Gross Area	2,720 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,466 sqft (0.24 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 SUNSET LN
City	SPENCER
State	MA
Zip	01562-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	129
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4011
Census Tract	726200

Owner

Source: Worcester County and Spencer Town records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 SUNSET LN, SPENCER, MA 01562-2340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jan 11, 2019	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2024 · Amount on Record
Deed Sale	May 16, 2024 · Amount on Record
Prior Sale	Jan 11, 2019 · Amount on Record
Deed Document Number	202436596
Last Transfer Date	Jul 28, 2025
Transfer Doc	0072311-29
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	20 SUNSET LN, SPENCER, MA 01562-2340
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072477-40
Date	Sep 2, 2025
Book Page	72477/40
Instrument	74264

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

January 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPENCER MA
Recording Date	Jan 11, 2019
Property Address	20 SUNSET LN, SPENCER, MA 01562-2340
Document Number	59925-248
Book / Page	059925 / 000248
Instrument Date	Jan 10, 2019
Instrument	2916
Transaction Type	Foreclosure
Record Updated	Jan 29, 2019

Transaction

Amount	Amount Recorded
Tax	$1,004.62
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500

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
2025	$3,970.00 (+14.24%)	$338,200 (+11.32%) Land $45,300 Building $292,900	$341,715
2024	$3,475.00 (+7.49%)	$303,800 (+13.32%) Land $45,300 Building $258,500
2023	$3,233.00	$268,100 Land $45,300 Building $222,800

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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