3 Clark Ter, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 3 Clark Ter, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,818 sqft · built 1954
Lot Size	0.333 acres (14,500 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Nov 2010)
Tax Bill	$4,892 (2026)
Deeds & Mortgages	Sep 2020 Refinance Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U04 B:00023 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U04 B:00023 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,818 sqft Living Area
Gross Area	4,152 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,500 sqft (0.333 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 CLARK TER
City	SPENCER
State	MA
Zip	01562-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	23
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2005
Census Tract	726200

Owner

3 Clark Ter is owned and occupied by an individual who bought it in November 2010.

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

Owner of Record	Individual Name on File
Mailing Address	3 CLARK TER, SPENCER, MA 01562-2321
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
Sep 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Aug 30, 2017	Deed of Trust, Mortgage WEBSTER FIRST FCU
Sep 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Jan 5, 2017	Quit Claim Deed, Transfer WEBSTER FIRST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2010 · Amount on File
Deed Sale	Nov 1, 2010 · Amount on File
Deed Document Number	2010121509
Deed Book / Page	46574 / 316
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 CLARK TER, SPENCER, MA 01562-2321
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63307-194
Date	Sep 22, 2020
Book Page	63307/194
Instrument	109647

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 CLARK TER, SPENCER, MA 01562-2321
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57657-380
Date	Aug 30, 2017
Book Page	57657/380
Instrument	94972

Lender

Name	WEBSTER FIRST FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2032

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 CLARK TER, SPENCER, MA 01562-2321
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63307-216
Date	Sep 22, 2020
Book Page	63307/216
Instrument	109648

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jan 5, 2017
Property Address	3 CLARK TER, SPENCER, MA 01562-2321
Document Number	56570-315
Book / Page	56570 / 315
Instrument	1219
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$26.68
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56570-317
Date	Jan 5, 2017
Book Page	56570/317
Instrument	1220

Lender

Name	WEBSTER FIRST FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3 Clark Ter was $4,892, up 9,492.2% 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	$4,892.00 (+9,492.16%)	$445,500 (+1.6%) Land $49,400 Building $396,100	$428,250 (+15.44%)
2025	$51.00 (-98.91%)	$438,500 (+7.37%) Land $38,700 Building $399,800	$370,975
2024	$4,672.00 (+8.12%)	$408,400 (+13.98%) Land $38,700 Building $369,700
2023	$4,321.00	$358,300 Land $38,700 Building $319,600

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

Flood

FEMA maps place 3 Clark Ter in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3 Clark Ter 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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