249 Main St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 249 Main St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,338 sqft · built 1856
Lot Size	0.888 acres (38,661 sqft)
Owner	Individual Name on Record
Last Sale	$489,000 (Apr 2024)
Tax Bill	$5,231 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U15 B:00038 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U15 B:00038 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,338 sqft Living Area
Gross Area	8,232 sqft
Basement Area	2,556 sqft
Unfinished Basement	2,556 sqft

Exterior

Year Built	Built 1856
Effective Year Built	Effective 1856
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,661 sqft (0.888 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	249 MAIN ST
City	SPENCER
State	MA
Zip	01562-1832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	38
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4000
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	249 MAIN ST, SPENCER, MA 01562-1832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2024 · Amount on Record
Deed Sale	Apr 16, 2024 · Amount on Record
Prior Sale	Jun 25, 1998 · Amount on Record
Deed Document Number	202427669
Deed Book / Page	70403 / 75
Record Updated	Oct 29, 2026

April 2024: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	SPENCER MA
Recording Date	Apr 16, 2024
Property Address	249 MAIN ST, SPENCER, MA 01562-1832
Document Number	0070403-75
Book / Page	70403 / 75
Instrument Date	Apr 16, 2024
Instrument	27669
Transaction Type	Transfer
Record Updated	May 3, 2024

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
Address	249 MAIN ST, SPENCER, MA 01562-1832
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027670
Date	Apr 16, 2024
Instrument	27670

Lender

Name	ROLLSTONE BANK & TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2029
Max Rate At Change	2.25%
Index	Other

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	$5,231.00 (+7,592.65%)	$476,400 (-18.19%) Land $61,000 Building $415,400	$474,425 (+4.04%)
2025	$68.00 (-98.91%)	$582,300 (+7.18%) Land $53,000 Building $529,300	$456,000
2024	$6,215.00 (+5.64%)	$543,300 (+11.38%) Land $53,000 Building $490,300
2023	$5,883.00	$487,800 Land $53,000 Building $434,800

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000