3 Bemis St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,782 sqft · built 1955
Lot Size	0.303 acres (13,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Feb 2026)
Tax Bill	$4,569 (2026)
Deeds & Mortgages	Nov 2021 Reverse Mortgage Jul 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U02 B:00033 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U02 B:00033 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,782 sqft Living Area
Gross Area	3,858 sqft
Basement Area	1,158 sqft
Unfinished Basement	1,158 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,200 sqft (0.303 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 BEMIS ST
City	SPENCER
State	MA
Zip	01562-2501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	33
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3016
Census Tract	726200

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 Record	2 Individual Names on Record
Mailing Address	3 BEMIS ST, SPENCER, MA 01562-2501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2021	Deed of Trust, Mortgage · Reverse Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jul 21, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Mar 14, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Feb 7, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Feb 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 14, 2017	Quit Claim Deed, Transfer · FHA Mortgage OCWEN FIN SVC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2026 · Amount on Record
Deed Sale	Feb 2, 2026 · Amount on Record
Prior Sale	Jul 14, 2017 · Amount on Record
Deed Document Number	20268272
Deed Book / Page	73152 / 375
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 BEMIS ST, SPENCER, MA 01562-2501
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066617-68
Date	Nov 26, 2021
Book Page	66617/68
Instrument	165697

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 BEMIS ST, SPENCER, MA 01562-2501
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067940-326
Date	Jul 21, 2022
Book Page	67940/326
Instrument	79634

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 BEMIS ST, SPENCER, MA 01562-2501
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068915-198
Date	Mar 14, 2023
Book Page	68915/198
Instrument	20228

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 BEMIS ST, SPENCER, MA 01562-2501
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070172-314
Date	Feb 7, 2024
Book Page	70172/314
Instrument	9363

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 2, 2026
Property Address	3 BEMIS ST, SPENCER, MA 01562-2501
Document Number	073152-375
Book / Page	73152 / 375
Instrument Date	Feb 2, 2026
Instrument	8272
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Tenants by the Entirety
Address	3 BEMIS ST, SPENCER, MA 01562-2501

Mortgage

Document Number	0000008273
Date	Feb 2, 2026
Instrument	8273

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jul 14, 2017
Property Address	3 BEMIS ST, SPENCER, MA 01562-2501
Document Number	57420-16
Book / Page	57420 / 16
Instrument	74826
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27.16
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 BEMIS ST, SPENCER, MA 01562-2501

Mortgage

Document Number	574200019
Date	Jul 14, 2017
Instrument	57420/0019

Lender

Name	OCWEN FIN SVC INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2047

Tax Assessment & Valuation

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	$4,569.00 (+9,621.28%)	$416,100 (+2.54%) Land $48,800 Building $367,300	$419,358 (+17.46%)
2025	$47.00 (-98.92%)	$405,800 (+7.13%) Land $42,400 Building $363,400	$357,010
2024	$4,333.00 (+6.05%)	$378,800 (+11.81%) Land $42,400 Building $336,400
2023	$4,086.00	$338,800 Land $42,400 Building $296,400

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 · 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	1 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

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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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