Worcester County and Spencer Town property record for 23 Ledge Ave, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 936 sqft · built 1965 |
| Lot Size | 0.268 acres (11,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Mar 2016) |
| Tax Bill | $35 (2025) |
| Deeds & Mortgages | Feb 2022 Refinance Mar 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U34 B:00085 L:00000 |
| Primary APN | SPEN M:00U34 B:00085 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Gross Area | 2,192 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,680 sqft (0.268 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 23 LEDGE AVE |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 85 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 726100 |
Source: Worcester County and Spencer Town assessment roll, 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 File |
|---|---|
| Mailing Address | 23 LEDGE AVE, SPENCER, MA 01562-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Mar 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Dec 2, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Jul 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK |
| Jul 16, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Mar 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 31, 2016 · Amount on Record |
| Deed Sale | Mar 31, 2016 · Amount on Record |
| Deed Book / Page | 55129 / 381 |
| Last Transfer Date | Jun 18, 2019 |
| Transfer Doc | 60712-203 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 23 LEDGE AVE, SPENCER, MA 01562-1218 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 067094-323 |
|---|---|
| Date | Feb 9, 2022 |
| Book Page | 67094/323 |
| Instrument | 16134 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 23 LEDGE AVE, SPENCER, MA 01562-1218 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0068952-30 |
|---|---|
| Date | Mar 27, 2023 |
| Book Page | 68952/30 |
| Instrument | 23149 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 23 LEDGE AVE, SPENCER, MA 01562-1218 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61518-241 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 61518/241 |
| Instrument | 130003 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 23 LEDGE AVE, SPENCER, MA 01562-1218 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62802-60 |
|---|---|
| Date | Jul 15, 2020 |
| Book Page | 62802/60 |
| Instrument | 76095 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jul 16, 2019 |
| Property Address | 23 LEDGE AVE, SPENCER, MA 01562-1218 |
| Document Number | 60712-203 |
| Book / Page | 060712 / 000203 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 68269 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 LEDGE AVE SPENCER MA 015621218, SPENCER, MA 01562-1218 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 23 LEDGE AVE, SPENCER, MA 01562-1218 |
| Document Number | 60172-363 |
| Instrument Date | Mar 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 23 LEDGE AVE SPENCER MA 015621218, SPENCER, MA 01562-1218 |
| Document Number | 60172-363 |
|---|---|
| Date | Mar 21, 2019 |
| Book Page | 060172/000363 |
| Instrument | 24391 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 20, 2044 |
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $35.00 (-98.93%) | $300,900 (+5.03%) Land $45,900 Building $255,000 | $335,540 |
| 2024 | $3,278.00 (+5.91%) | $286,500 (+11.65%) Land $45,900 Building $240,600 | |
| 2023 | $3,095.00 | $256,600 Land $45,900 Building $210,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1993) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 1993 · rainfall accumulation |
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.
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 | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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