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3 Bay Path Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 3 Bay Path Rd, Spencer, MA 01562

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 960 sqft · built 1976
Lot Size0.357 acres (15,545 sqft)
Owner2 Individual Names on Record
Tax Bill$3,147 (2026)
Deeds & MortgagesNov 2021 Refinance
Apr 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNSPEN M:00U22 B:00082 L:00000

Property Details

APN / Parcel Number

Primary APNSPEN M:00U22 B:00082 L:00000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area960 sqft Living Area
Gross Area1,920 sqft
Basement Area960 sqft
Unfinished Basement960 sqft

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area15,545 sqft (0.357 acres)

Utilities, Heating & Cooling

Heating SystemBaseboard
Heating FuelElectric

Location & Zoning

Street Address3 BAY PATH RD
CitySPENCER
StateMA
Zip01562-1601
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR
Legal Block82
JurisdictionSPENCER MA
Township / Civil DivisionSPENCER
Census Block Group1
Census Block1010
Census Tract726200

Owner

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 Record2 Individual Names on Record
Mailing Address3 BAY PATH RD, SPENCER, MA 01562-1601
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 26, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
LOANDEPOT.COM LLC
Apr 10, 2020Deed of Trust, Mortgage · VA Mortgage
LOANDEPOT.COM LLC
Jul 12, 2019Deed of Trust, Mortgage · VA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSPENCER MA
Property Address3 BAY PATH RD, SPENCER, MA 01562-1601
Transaction TypeMortgage
Record UpdatedDec 10, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number66615-190
DateNov 26, 2021
Book Page66615/190
Instrument165547
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueDec 1, 2051

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSPENCER MA
Property Address3 BAY PATH RD, SPENCER, MA 01562-1601
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number62185-212
DateApr 10, 2020
Book Page62185/212
Instrument36124
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2050

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSPENCER MA
Property Address3 BAY PATH RD, SPENCER, MA 01562-1601
Document Number60719-95
Instrument DateJul 12, 2019
Transaction TypeMortgage
Record UpdatedAug 6, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 BAY PATH RD SPENCER MA 015621601, SPENCER, MA 01562-1601

Mortgage

Document Number60719-95
DateJul 17, 2019
Book Page060719/000095
Instrument68754
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 16, 2049

Tax Assessment & Valuation

Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
County SubdivisionSpencer Town
Unified School DistrictSpencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,147.00 (-3.47%)$286,600 (+3.2%) Land $50,100 Building $236,500$326,345 (-9.55%)
2025$3,260.00 (+9.32%)$277,700 (+6.52%) Land $43,600 Building $234,100$360,810
2024$2,982.00 (+4.63%)$260,700 (+10.33%) Land $43,600 Building $217,100
2023$2,850.00$236,300 Land $43,600 Building $192,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemSPENCER WATER DEPARTMENT
serves 7,037 people · EPA ID MA2280000
Water SourceGroundwater
Last State InspectionMay 2025
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 29 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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