296 Main St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 296 Main St, Spencer, MA 01562

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,884 sqft · built 1850
Lot Size	0.295 acres (12,850 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Apr 2025)
Tax Bill	$4,159 (2026)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U05 B:00008 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U05 B:00008 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,884 sqft Living Area
Gross Area	4,449 sqft
Basement Area	942 sqft
Unfinished Basement	942 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,850 sqft (0.295 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	296 MAIN ST
City	SPENCER
State	MA
Zip	01562-1840
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	VR
Legal Block	8
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2000
Census Tract	726100

Owner

296 Main St, a duplex, is owned by an individual who bought it in April 2025.

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	374 WASHINGTON ST, WEST BROOKFIELD, MA 01585-6127
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2025 · Amount on File
Deed Sale	Apr 29, 2025 · Amount on File
Prior Sale	Nov 23, 2004 · Amount on File
Deed Book / Page	71917 / 321
Record Updated	Oct 29, 2026

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Apr 29, 2025
Property Address	296 MAIN ST, SPENCER, MA 01562-1840
Document Number	071917-321
Book / Page	71917 / 321
Instrument Date	Apr 29, 2025
Instrument	33197
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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	374 WASHINGTON ST, W BROOKFIELD, MA 01585-6127

Mortgage

Document Number	0000033198
Date	Apr 29, 2025
Instrument	33198

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 296 Main St was $4,159, up 3.3% from the year before.

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	$4,159.00 (+3.28%)	$378,800 (+10.44%) Land $48,600 Building $330,200	$388,197
2025	$4,027.00 (+11.24%)	$343,000 (+8.41%) Land $42,300 Building $300,700
2024	$3,620.00 (+5.11%)	$316,400 (+10.78%) Land $42,300 Building $274,100
2023	$3,444.00	$285,600 Land $42,300 Building $243,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 296 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

Wildfire risk around 296 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.

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