Worcester County and Spencer Town property record for 23 Summit St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,460 sqft · built 1921 |
| Lot Size | 0.263 acres (11,471 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $102,500 (Mar 1992) |
| Tax Bill | $3,711 (2026) |
| Deeds & Mortgages | Mar 2025 Reverse Mortgage Mar 2025 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U06 B:00030 L:00000 |
| Primary APN | SPEN M:00U06 B:00030 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,460 sqft Living Area |
| Gross Area | 2,777 sqft |
| Basement Area | 777 sqft |
| Unfinished Basement | 777 sqft |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,471 sqft (0.263 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 23 SUMMIT ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 30 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 726200 |
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 | 23 SUMMIT ST, SPENCER, MA 01562-2224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 18, 2025 | Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 18, 2025 | Quit Claim Deed, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 1992 · Amount on Record |
| Deed Sale | Mar 11, 1992 · Amount on Record |
| Deed Book / Page | 14030 / 65 |
| Last Transfer Date | Dec 12, 2024 |
| Transfer Doc | 071752-192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 23 SUMMIT ST, SPENCER, MA 01562-2224 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 071752-210 |
|---|---|
| Date | Mar 18, 2025 |
| Book Page | 71752/210 |
| Instrument | 20948 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 973 Months |
| Due | Apr 1, 2106 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Mar 18, 2025 |
| Property Address | 23 SUMMIT ST, SPENCER, MA 01562-2224 |
| Document Number | 071752-192 |
| Book / Page | 71752 / 192 |
| Instrument Date | Dec 12, 2024 |
| Instrument | 202500020946 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 23 SUMMIT ST, SPENCER, MA 01562-2224 |
| Document Number | 202500020947 |
|---|---|
| Date | Mar 18, 2025 |
| Instrument | 202500020947 |
| Name | MUTUAL OF OMAHA MORTGAGE |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 973 Months |
| Due | Apr 1, 2106 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2026 | $3,711.00 (+13.59%) | $338,000 (+21.45%) Land $47,900 Building $290,100 | $318,630 (-5.97%) |
| 2025 | $3,267.00 (+7.26%) | $278,300 (+4.51%) Land $37,500 Building $240,800 | $338,865 |
| 2024 | $3,046.00 (+5.4%) | $266,300 (+11.14%) Land $37,500 Building $228,800 | |
| 2023 | $2,890.00 | $239,600 Land $37,500 Building $202,100 |
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
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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