Worcester County and Spencer Town property record for 27 Bay Path Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,050 sqft · built 1976 |
| Lot Size | 0.427 acres (18,621 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (May 2024) |
| Tax Bill | $4,556 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance Jun 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U22 B:00090 L:00000 |
| Primary APN | SPEN M:00U22 B:00090 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,050 sqft Living Area |
| Gross Area | 2,520 sqft |
| Basement Area | 1,050 sqft |
| Unfinished Basement | 1,050 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,621 sqft (0.427 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 27 BAY PATH RD |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 90 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1010 |
| 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 | 27 BAY PATH RD, SPENCER, MA 01562-1601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FINANCIAL NETWORK |
| Jun 13, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2024 · Amount on Record |
| Deed Sale | May 15, 2024 · Amount on Record |
| Prior Sale | Nov 18, 2015 · Amount on Record |
| Deed Book / Page | 70514 / 250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 27 BAY PATH RD, SPENCER, MA 01562-1601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0067073-75 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 67073/75 |
| Instrument | 14598 |
| Name | AMERICAN FINANCIAL NETWORK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 27 BAY PATH RD, SPENCER, MA 01562-1601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 072116-365 |
|---|---|
| Date | Jun 13, 2025 |
| Book Page | 72116/365 |
| Instrument | 47915 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2055 |
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 | $4,556.00 (+0.62%) | $414,900 (+7.57%) Land $52,500 Building $362,400 | $408,658 (+3.6%) |
| 2025 | $4,528.00 (+8.14%) | $385,700 (+5.38%) Land $45,700 Building $340,000 | $394,440 |
| 2024 | $4,187.00 (+4.47%) | $366,000 (+10.14%) Land $45,700 Building $320,300 | |
| 2023 | $4,008.00 | $332,300 Land $45,700 Building $286,600 |
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 |
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 238 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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