Worcester County and Spencer Town property record for 28 Ledge Ave, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 924 sqft · built 1972 |
| Lot Size | 0.135 acres (5,875 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $201,000 (Sep 2008) |
| Tax Bill | $4,147 (2026) |
| Deeds & Mortgages | Jun 2023 Refinance Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U34 B:00079 L:00000 |
| Primary APN | SPEN M:00U34 B:00079 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| Gross Area | 2,064 sqft |
| Basement Area | 762 sqft |
| Unfinished Basement | 762 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,875 sqft (0.135 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 28 LEDGE AVE |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LR |
| Legal Block | 79 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 726100 |
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 | 28 LEDGE AVE, SPENCER, MA 01562-1216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Apr 26, 2023 | Deed of Trust, Mortgage · Line of Credit WORCESTER POLICE DEPARTMENT CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2008 · Amount on Record |
| Deed Sale | Sep 10, 2008 · Amount on Record |
| Prior Sale | Jun 22, 2005 · Amount on Record |
| Deed Document Number | 2008101797 |
| Deed Book / Page | 43297 / 234 |
| Transfer Doc | 55250-363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 28 LEDGE AVE, SPENCER, MA 01562-1216 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069242-294 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 69242/294 |
| Instrument | 45562 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 28 LEDGE AVE, SPENCER, MA 01562-1216 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069059-148 |
|---|---|
| Date | Apr 26, 2023 |
| Book Page | 69059/148 |
| Instrument | 31448 |
| Name | WORCESTER POLICE DEPARTMENT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2038 |
| 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 | $4,147.00 (+10,014.63%) | $377,700 (+5.71%) Land $137,600 Building $240,100 | $362,104 (+34.12%) |
| 2025 | $41.00 (-98.94%) | $357,300 (+5.93%) Land $119,700 Building $237,600 | $269,990 |
| 2024 | $3,859.00 (+2.47%) | $337,300 (+8.01%) Land $119,700 Building $217,600 | |
| 2023 | $3,766.00 | $312,300 Land $119,700 Building $192,600 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1993) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 1993 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 85 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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