3 Ash St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 3 Ash St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,088 sqft · built 1956
Lot Size	0.494 acres (21,519 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Feb 2018)
Tax Bill	$3,242 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U07 B:00096 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U07 B:00096 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
Gross Area	2,308 sqft
Basement Area	664 sqft
Unfinished Basement	664 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,519 sqft (0.494 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 ASH ST
City	SPENCER
State	MA
Zip	01562-2246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	96
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4014
Census Tract	726200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Main Street-Cherry Street Historic District listed 1996 · 16 contributing resources · NRIS 96000826

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3 Ash St is owned and occupied by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3 ASH ST, SPENCER, MA 01562-2246
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Jan 27, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jan 5, 2018	Deed of Trust, Mortgage · Closed-End Mortgage CORNERSTONE BANK
Feb 27, 2018	Quit Claim Deed, Transfer · FHA Mortgage ROSS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2018 · Amount on File
Deed Sale	Feb 27, 2018 · Amount on File
Deed Book / Page	58482 / 75
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 ASH ST, SPENCER, MA 01562-2246
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067859-198
Date	Jul 5, 2022
Book Page	67859/198
Instrument	73194

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 ASH ST, SPENCER, MA 01562-2246
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071571-252
Date	Jan 27, 2025
Book Page	71571/252
Instrument	6761

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	277 Months
Due	Feb 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 ASH ST, SPENCER, MA 01562-2246
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58282-328
Date	Jan 5, 2018
Book Page	58282/328
Instrument	1075

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	228 Months
Due	Jan 1, 2037

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 27, 2018
Property Address	3 ASH ST, SPENCER, MA 01562-2246
Document Number	58482-75
Book / Page	58482 / 75
Instrument	18841
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ASH ST, SPENCER, MA 01562-2246

Mortgage

Document Number	584820077
Date	Feb 27, 2018
Instrument	58482/0077

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3 Ash St was $3,242, up 10,031.3% 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	$3,242.00 (+10,031.25%)	$295,300 (+5.09%) Land $54,400 Building $240,900	$334,497 (+7.91%)
2025	$32.00 (-98.94%)	$281,000 (+6.76%) Land $42,600 Building $238,400	$309,985
2024	$3,011.00 (+4.91%)	$263,200 (+10.59%) Land $42,600 Building $220,600
2023	$2,870.00	$238,000 Land $42,600 Building $195,400

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

Flood

FEMA maps place 3 Ash St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 3 Ash 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 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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