Worcester County and Spencer Town property record for 288 Main St, Spencer, MA 01562
| Property Type | Triplex |
|---|---|
| Details | 6 bd · 3 ba · 3,192 sqft · built 1850 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Feb 2018) |
| Tax Bill | $45 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U05 B:00011 L:00000 |
| Primary APN | SPEN M:00U05 B:00011 L:00000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 3,192 sqft Living Area |
| Gross Area | 4,746 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,431 sqft (1.02 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 288 MAIN ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1858 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Block | 11 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 726100 |
288 Main St, a triplex, is owned by an individual who bought it in February 2018.
Source: Worcester County and Spencer Town records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 35 PADULA DR, MARLBOROUGH, MA 01752-1177 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 29, 2019 | Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Feb 12, 2018 | Quit Claim Deed, Transfer · FHA Mortgage HOME POINT FINL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2018 · Amount on File |
| Deed Sale | Feb 12, 2018 · Amount on File |
| Prior Sale | Jan 28, 1998 · Amount on File |
| Deed Book / Page | 58428 / 256 |
| Transfer Doc | 058428-256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 288 MAIN ST, SPENCER, MA 01562-1858 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064198-156 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 64198/156 |
| Instrument | 4275 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 288 MAIN ST, SPENCER, MA 01562-1858 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61509-82 |
|---|---|
| Date | Nov 29, 2019 |
| Book Page | 61509/82 |
| Instrument | 129286 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Feb 12, 2018 |
| Property Address | 288 MAIN ST, SPENCER, MA 01562-1858 |
| Document Number | 58428-256 |
| Book / Page | 58428 / 256 |
| Instrument | 13968 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32.83 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 288 MAIN ST, SPENCER, MA 01562-1858 |
| Document Number | 584280258 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 58428/0258 |
| Name | HOME POINT FINL CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 12, 2048 |
The 2025 property tax bill for 288 Main St was $45, down 98.9% from the year before.
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 |
|---|---|---|
| 2025 | $45.00 (-98.9%) | $388,200 (+8.25%) Land $54,300 Building $333,900 |
| 2024 | $4,102.00 (+4.62%) | $358,600 (+10.3%) Land $54,300 Building $304,300 |
| 2023 | $3,921.00 | $325,100 Land $54,300 Building $270,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 288 Main St in Zone X, an area of minimal flood risk.
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 | 3 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 risk around 288 Main St is low, with a 0.01% annual chance of 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.
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 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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