Worcester County and Spencer Town property record for 3 Garrett Ln, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 1991 |
| Lot Size | 1.21 acres (52,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $131,800 (Feb 1992) |
| Tax Bill | $5,211 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance Oct 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R28 B:00003 L:00002 |
| Primary APN | SPEN M:00R28 B:00003 L:00002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 4,250 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,841 sqft (1.21 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 GARRETT LN |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 726100 |
3 Garrett Ln is owned and occupied by an individual who acquired it in October 2019.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 GARRETT LN, SPENCER, MA 01562-2739 |
| 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.
| Date | Document |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION |
| Oct 4, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 1992 · Amount on File |
| Deed Sale | Feb 10, 1992 · Amount on File |
| Deed Book / Page | 13954 / 319 |
| Last Transfer Date | Oct 4, 2019 |
| Transfer Doc | 61177-335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 GARRETT LN, SPENCER, MA 01562-2739 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00067126-1 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 67126/1 |
| Instrument | 18597 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Oct 4, 2019 |
| Property Address | 3 GARRETT LN, SPENCER, MA 01562-2739 |
| Document Number | 61177-335 |
| Book / Page | 061177 / 000335 |
| Instrument Date | Oct 4, 2019 |
| Instrument | 104212 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 GARRETT LN SPENCER MA 015622739, SPENCER, MA 01562-2739 |
The 2026 property tax bill for 3 Garrett Ln was $5,211, down 1.8% from the year before.
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 | $5,211.00 (-1.77%) | $474,600 (+5.02%) Land $70,100 Building $404,500 | $431,717 (-0.99%) |
| 2025 | $5,305.00 (+9.29%) | $451,900 (+6.5%) Land $61,000 Building $390,900 | $436,050 |
| 2024 | $4,854.00 (+3.78%) | $424,300 (+9.41%) Land $61,000 Building $363,300 | |
| 2023 | $4,677.00 | $387,800 Land $61,000 Building $326,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Garrett Ln 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 | 3 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 risk around 3 Garrett Ln 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 | 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
5G and 4G LTE (outdoors only)
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