Worcester County and Spencer Town property record for 3 Beach Ln, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 732 sqft · built 1975 |
| Lot Size | 0.273 acres (11,900 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $172,000 (Apr 2004) |
| Tax Bill | $3,102 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Aug 2023 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U31 B:00062 L:00000 |
| Primary APN | SPEN M:00U31 B:00062 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 732 sqft Living Area |
| Gross Area | 1,560 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bungalow |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,900 sqft (0.273 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 BEACH LN |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LR |
| Legal Block | 62 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1023 |
| 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 | 3 BEACH LN, SPENCER, MA 01562-1526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Oct 14, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Nov 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Dec 23, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| May 2, 2017 | Quit Claim Deed, Transfer · FHA Mortgage WINTRUST MTG CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 5, 2004 · Amount on Record |
| Deed Sale | Apr 5, 2004 · Amount on Record |
| Prior Sale | Oct 26, 2001 · Amount on Record |
| Deed Document Number | 200456460 |
| Deed Book / Page | 33234 / 190 |
| Transfer Doc | 57056-292 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 BEACH LN, SPENCER, MA 01562-1526 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072585-270 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 72585/270 |
| Instrument | 82411 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 BEACH LN, SPENCER, MA 01562-1526 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069556-116 |
|---|---|
| Date | Aug 24, 2023 |
| Book Page | 69556/116 |
| Instrument | 69836 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 BEACH LN, SPENCER, MA 01562-1526 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 068349-314 |
|---|---|
| Date | Oct 14, 2022 |
| Book Page | 68349/314 |
| Instrument | 111766 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 BEACH LN, SPENCER, MA 01562-1526 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66560-117 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 66560/117 |
| Instrument | 162006 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Dec 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 BEACH LN, SPENCER, MA 01562-1526 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61637-332 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 61637/332 |
| Instrument | 139693 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | May 2, 2017 |
| Property Address | 3 BEACH LN, SPENCER, MA 01562-1526 |
| Document Number | 57056-292 |
| Book / Page | 57056 / 292 |
| Instrument | 44059 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $19.05 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 57056-295 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 57056/295 |
| Instrument | 44060 |
| Name | WINTRUST MTG CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $3,102.00 (+6.6%) | $282,500 (+13.96%) Land $52,900 Building $229,600 | $290,293 (-5.66%) |
| 2025 | $2,910.00 (+9.28%) | $247,900 (+6.49%) Land $46,000 Building $201,900 | $307,705 |
| 2024 | $2,663.00 (+4.8%) | $232,800 (+10.49%) Land $46,000 Building $186,800 | |
| 2023 | $2,541.00 | $210,700 Land $46,000 Building $164,700 |
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 500 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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