221 Main St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 221 Main St, Spencer, MA 01562

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 3,336 sqft · built 1851
Lot Size	0.353 acres (15,370 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,978 (2026)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U14 B:00092 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U14 B:00092 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	3 Stories
Building Area	3,336 sqft Living Area
Gross Area	6,888 sqft
Basement Area	1,614 sqft
Unfinished Basement	1,614 sqft

Exterior

Year Built	Built 1851
Effective Year Built	Effective 1851
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,370 sqft (0.353 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	221 MAIN ST
City	SPENCER
State	MA
Zip	01562-1739
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	VR
Legal Block	92
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4004
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	221 MAIN ST, SPENCER, MA 01562-1739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	221 MAIN ST, SPENCER, MA 01562-1739
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072586-343
Date	Sep 26, 2025
Book Page	72586/343
Instrument	82474

Lender

Name	WEBSTER FIRST FCU

Agreement

Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2065

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	$4,978.00 (+3%)	$453,400 (+10.13%) Land $49,900 Building $403,500	$429,478
2025	$4,833.00 (+11.54%)	$411,700 (+8.69%) Land $43,500 Building $368,200
2024	$4,333.00 (+5.32%)	$378,800 (+11.05%) Land $43,500 Building $335,300
2023	$4,114.00	$341,100 Land $43,500 Building $297,600

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 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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