3 Brown St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,632 sqft · built 1900
Lot Size	0.116 acres (5,068 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jul 2020)
Tax Bill	$4,482 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U14 B:00028 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U14 B:00028 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	3,032 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,068 sqft (0.116 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3 BROWN ST
City	SPENCER
State	MA
Zip	01562-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	28
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4008
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	Individual Name on Record
Mailing Address	3 BROWN ST, SPENCER, MA 01562-1701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 30, 2022	Deed of Trust, Mortgage · VA Mortgage USA VETERANS ADMIN
Jul 10, 2020	Quit Claim Deed, Transfer · VA Mortgage USAA FSB
Jun 25, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2020 · Amount on Record
Deed Sale	Jul 10, 2020 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	202074197
Deed Book / Page	62770 / 70
Prior Transfer Date	May 29, 2020
Prior Transfer Doc	62770-70
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 BROWN ST, SPENCER, MA 01562-1701
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069562-36
Date	Aug 25, 2023
Book Page	69562/36
Instrument	70325

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 BROWN ST, SPENCER, MA 01562-1701
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067351-149
Date	Mar 30, 2022
Book Page	67351/149
Instrument	35064

Lender

Name	USA VETERANS ADMIN

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Apr 1, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jul 10, 2020
Property Address	3 BROWN ST, SPENCER, MA 01562-1701
Document Number	62770-70
Book / Page	62770 / 70
Instrument Date	May 29, 2020
Instrument	74197
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	140 KING PHILIP RD # 2W, 2W, WORCESTER, MA 01606-2364

Mortgage

Document Number	74198
Date	Jul 10, 2020
Instrument	74198

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded

June 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPENCER MA
Recording Date	Jun 25, 2019
Property Address	3 BROWN ST, SPENCER, MA 01562-1701
Document Number	60604-90
Book / Page	060604 / 000090
Instrument Date	Jun 18, 2019
Instrument	59464
Transaction Type	Foreclosure
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$700.42
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2741 SEAL BEACH CA 907401741, SEAL BEACH, CA 90740-1741

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	$4,482.00 (+11,694.74%)	$408,200 (+26.1%) Land $44,200 Building $364,000	$391,481 (+15.08%)
2025	$38.00 (-98.93%)	$323,700 (+4.45%) Land $38,400 Building $285,300	$340,195
2024	$3,545.00 (+5.38%)	$309,900 (+11.12%) Land $38,400 Building $271,500
2023	$3,364.00	$278,900 Land $38,400 Building $240,500

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 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

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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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