232 Main St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 232 Main St, Spencer, MA 01562

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1 bd · 2 ba · 2,082 sqft · built 1870
Lot Size	0.628 acres (27,356 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Nov 2025)
Tax Bill	$2,873 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage May 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U06 B:00022 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U06 B:00022 L:00000`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Units	2 Units
Stories	3 Stories
Building Area	2,082 sqft Total Area
Gross Area	5,440 sqft
Basement Area	1,428 sqft
Unfinished Basement	1,428 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,356 sqft (0.628 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	232 MAIN ST
City	SPENCER
State	MA
Zip	01562-1724
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	VR
Legal Block	22
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4013
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	Individual Name on Record
Mailing Address	232 MAIN ST, SPENCER, MA 01562-1724
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Quit Claim Deed, Transfer · Conventional Mortgage M & T BANK
May 1, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Jun 7, 1996 · Amount on Record
Deed Book / Page	72868 / 110
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Nov 21, 2025
Property Address	232 MAIN ST, SPENCER, MA 01562-1724
Document Number	072868-110
Book / Page	72868 / 110
Instrument Date	Nov 21, 2025
Instrument	102261
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Amount	Amount Recorded
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
Address	232 MAIN ST, SPENCER, MA 01562-1724

Mortgage

Document Number	0000102262
Date	Nov 21, 2025
Instrument	102262

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Mortgage

Document Number	072868-132
Date	Nov 21, 2025
Book Page	72868/132
Instrument	102263

Lender

Name	MASSACHUSETTS HOUSING PARTNERSHIP FUND
Type	Government Agency

Agreement

Amount	Amount Recorded

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	May 1, 2024
Property Address	232 MAIN ST, SPENCER, MA 01562-1724
Document Number	070460-394
Book / Page	70460 / 394
Instrument Date	Apr 1, 2024
Instrument	32146
Transaction Type	Transfer
Record Updated	May 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	162 RICE CORNER RD, BROOKFIELD, MA 01506-1802

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	$2,873.00 (-38.22%)	$261,660 (-33.94%) Land $34,320 Building $227,340	$452,372 (+14.47%)
2025	$4,650.00 (+11.3%)	$396,100 (+8.46%) Land $49,800 Building $346,300	$395,200
2024	$4,178.00 (+5.08%)	$365,200 (+10.77%) Land $49,800 Building $315,400
2023	$3,976.00	$329,700 Land $49,800 Building $279,900

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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