22 Ash St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 22 Ash St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,720 sqft · built 1825
Lot Size	0.523 acres (22,782 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Feb 2021)
Tax Bill	$4,261 (2026)
Deeds & Mortgages	May 2026 Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U07 B:00090 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U07 B:00090 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,720 sqft Living Area
Gross Area	4,872 sqft
Basement Area	1,360 sqft
Unfinished Basement	1,360 sqft

Exterior

Year Built	Built 1825
Effective Year Built	Effective 1825
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,782 sqft (0.523 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	22 ASH ST
City	SPENCER
State	MA
Zip	01562-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	90
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2000
Census Tract	726200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Main Street-Cherry Street Historic District listed 1996 · 16 contributing resources · NRIS 96000826

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	7 WAITE ST, WORCESTER, MA 01604-2887
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Feb 9, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 19, 2021	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2021 · Amount on Record
Deed Sale	Feb 19, 2021 · Amount on Record
Prior Sale	Nov 1, 2016 · Amount on Record
Deed Document Number	202124120
Deed Book / Page	64507 / 36
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	May 11, 2026
Property Address	22 ASH ST, SPENCER, MA 01562-2203
Document Number	0073557-19
Book / Page	73557 / 19
Instrument Date	Apr 10, 2026
Instrument	202636657
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 ASH ST, SPENCER, MA 01562-2203

Mortgage

Document Number	0000036657,
Date	May 11, 2026
Book Page	73557/19
Instrument	202636657

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.11%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	22 ASH ST, SPENCER, MA 01562-2203
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070184-84
Date	Feb 9, 2024
Book Page	70184/84
Instrument	10375

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Mar 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 19, 2021
Property Address	22 ASH ST, SPENCER, MA 01562-2203
Document Number	64507-36
Book / Page	64507 / 36
Instrument Date	Feb 19, 2021
Instrument	24120
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Joint Tenants
Address	7 WAITE ST APT 3, 3, WORCESTER, MA 01604-2887

Mortgage

Document Number	24121
Date	Feb 19, 2021
Instrument	24121

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA 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	$4,261.00 (+10,045.24%)	$388,100 (+7.87%) Land $55,100 Building $333,000	$409,375 (-11.86%)
2025	$42.00 (-99.05%)	$359,800 (-6.93%) Land $43,100 Building $316,700	$464,455
2024	$4,423.00 (+6.81%)	$386,600 (+12.58%) Land $43,100 Building $343,500
2023	$4,141.00	$343,400 Land $43,100 Building $300,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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