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21 Cherry St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 21 Cherry St, Spencer, MA 01562 · Last verified July 2026

Property Summary

Property TypeDuplex
Details5 bd · 2 ba · 1,692 sqft · built 1830
Lot Size0.061 acres (2,660 sqft)
OwnerIndividual Name on File
Last Sale$320,000 (Sep 2020)
Tax Bill$45 (2025)
Deeds & MortgagesJan 2022 Refinance
Sep 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNSPEN M:00U07 B:00057 L:00000

Property Details

APN / Parcel Number

Primary APNSPEN M:00U07 B:00057 L:00000

Interior

Bedrooms5 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Units2 Units
Stories2 Stories
Building Area1,692 sqft Living Area
Gross Area3,286 sqft

Exterior

Year BuiltBuilt 1830
Effective Year BuiltEffective 1830
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area2,660 sqft (0.061 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Heating FuelGas

Location & Zoning

Street Address21 CHERRY ST
CitySPENCER
StateMA
Zip01562-2110
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal SubdivisionSUBDIVISION LAND HARVARD
Legal Block57
JurisdictionSPENCER MA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3000
Census Tract726200

Owner

Source: Worcester County and Spencer Town records · APN SPEN M:00U07 B:00057 L:00000

Assessment roll updated April 14, 2026 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address21 CHERRY ST, SPENCER, MA 01562-2110
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 19, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
CORNERSTONE BANK
Sep 30, 2020Quit Claim Deed, Transfer · Stand-Alone First Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 27, 2017Quit Claim Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 30, 2020 · Amount on Record
Deed SaleSep 30, 2020 · Amount on Record
Prior SaleSep 27, 2017 · Amount on Record
Deed Document Number2020114531
Deed Book / Page63383 / 78
Transfer Doc57792-276
Record UpdatedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSPENCER MA
Property Address21 CHERRY ST, SPENCER, MA 01562-2110
Transaction TypeMortgage
Record UpdatedJun 24, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0066970-32
DateJan 19, 2022
Book Page66970/32
Instrument7208
Lender
NameCORNERSTONE BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term241 Months
DueFeb 01, 2042

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSPENCER MA
Recording DateSep 30, 2020
Property Address21 CHERRY ST, SPENCER, MA 01562-2110
Document Number63383-78
Book / Page63383 / 78
Instrument DateSep 28, 2020
Instrument114531
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 CHERRY ST, SPENCER, MA 01562-2110

Mortgage

Document Number114532
DateSep 30, 2020
Instrument114532
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

September 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSPENCER MA
Recording DateSep 27, 2017
Property Address21 CHERRY ST, SPENCER, MA 01562-2110
Document Number57792-276
Book / Page057792 / 000276
Instrument DateSep 20, 2017
Instrument6498
Transaction TypeTransfer
Record UpdatedOct 17, 2017

Transaction

AmountAmount Recorded
Tax$182.00
Amount AccuracyConfirmed
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1124 AVALON DR PEABODY MA 019601508, PEABODY, MA 01960-1508

Tax Assessment & Valuation

Source: Worcester County and Spencer Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
County SubdivisionSpencer Town
Unified School DistrictSpencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$45.00 (-98.91%)$391,700 (+8.99%) Land $29,900 Building $361,800
2024$4,112.00 (+5.6%)$359,400 (+11.3%) Land $29,900 Building $329,500
2023$3,894.00$322,900 Land $29,900 Building $293,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277262003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Nearby Flood Policies1 in force
1 of 1 on primary residences

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach

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.

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