25 Clark Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 25 Clark Rd, Spencer, MA 01562

Property Summary

Property Type	Residential Vacant Land
Lot Size	2 acres (87,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$649,900 (Oct 2025)
Tax Bill	$884 (2026)
Deeds & Mortgages	Jun 2025 Mortgage Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R14 B:00006 L:00002`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R14 B:00006 L:00002`

Exterior

Lot Area	87,443 sqft (2 acres)

Location & Zoning

Street Address	25 CLARK RD
City	SPENCER
State	MA
Zip	01562-3120
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RR
Legal Block	6
Legal Lot Number	2
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3004
Census Tract	726100

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	25 CLARK RD, SPENCER, MA 01562-3120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2025	Deed of Trust, Mortgage WEBSTER FIVE CENTS SAVINGS BANK
Oct 14, 2025	Quit Claim Deed, Transfer · Conventional Mortgage BAY STATE SAVINGS BANK
Oct 14, 2025	Quit Claim Deed, Transfer Quitclaim
Mar 24, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JAMES LOVETT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	Mar 24, 2025 · Amount on Record
Deed Book / Page	72670 / 202
Prior Transfer Date	Oct 6, 2025
Prior Transfer Doc	072670-198
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	25 CLARK RD, SPENCER, MA 01562-3120
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072181-236
Date	Jun 27, 2025
Book Page	72181/236
Instrument	52536

Lender

Name	WEBSTER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Oct 14, 2025
Property Address	25 CLARK RD, SPENCER, MA 01562-3120
Document Number	072670-202
Book / Page	72670 / 202
Instrument Date	Oct 14, 2025
Instrument	88458
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Relationship	Tenants by the Entirety
Address	25 CLARK RD, SPENCER, MA 01562-3120

Mortgage

Document Number	0000088459
Date	Oct 14, 2025
Instrument	88459

Lender

Name	BAY STATE SAVINGS BANK

Agreement

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

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Oct 14, 2025
Property Address	25 CLARK RD, SPENCER, MA 01562-3120
Document Number	072670-198
Book / Page	72670 / 198
Instrument Date	Oct 6, 2025
Instrument	88457
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125A CAMPBELL ST, RUTLAND, MA 01543-1634

March 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Mar 24, 2025
Property Address	25 CLARK RD, SPENCER, MA 01562-3120
Document Number	071770-273
Book / Page	71770 / 273
Instrument Date	Mar 24, 2025
Instrument	22294
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 PLEASANTDALE RD, RUTLAND, MA 01543-1231

Mortgage

Document Number	0000022295
Date	Mar 24, 2025
Instrument	22295

Lender

Name	JAMES LOVETT

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$884.00 (+28.49%)	$80,500 (+37.37%) Land $67,000 Building $13,500	$581,245
2025	$688.00 (+2.69%)	$58,600 (-) Land $58,600
2024	$670.00 (-5.23%)	$58,600 (-) Land $58,600
2023	$707.00	$58,600 Land $58,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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