3 Howe Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 3 Howe Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,541 sqft · built 1987
Lot Size	2.14 acres (93,541 sqft)
Owner	Individual Name on Record
Last Sale	$439,900 (Sep 2022)
Tax Bill	$53 (2025)
Deeds & Mortgages	May 2021 Line of Credit Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R23 B:00024 L:00004`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R23 B:00024 L:00004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,541 sqft Living Area
Gross Area	4,428 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Logs
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	93,541 sqft (2.14 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	3 HOWE RD
City	SPENCER
State	MA
Zip	01562-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Legal Lot Number	4
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2019
Census Tract	726100

Owner

Source: Worcester County and Spencer Town records, as of April 14, 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 HOWE RD, SPENCER, MA 01562-2711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Sep 22, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PRESTIGE HOME MORTGAGE LLC
Oct 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2022 · Amount on Record
Deed Sale	Sep 22, 2022 · Amount on Record
Prior Sale	Jun 1, 2005 · Amount on Record
Deed Book / Page	68250 / 294
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 HOWE RD, SPENCER, MA 01562-2711
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065179-18
Date	May 17, 2021
Book Page	65179/18
Instrument	67756

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 22, 2022
Property Address	3 HOWE RD, SPENCER, MA 01562-2711
Document Number	068250-294
Book / Page	68250 / 294
Instrument Date	Sep 22, 2022
Instrument	104087
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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 HOWE RD, SPENCER, MA 01562-2711

Mortgage

Document Number	0000104088
Date	Sep 22, 2022
Instrument	104088

Lender

Name	PRESTIGE HOME MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 HOWE RD, SPENCER, MA 01562-2711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63494-284
Date	Oct 14, 2020
Book Page	63494/284
Instrument	122125

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Nov 1, 2034

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
2025	$53.00 (-98.98%)	$454,000 (+0.2%) Land $59,100 Building $394,900	$517,655
2024	$5,183.00 (+12.62%)	$453,100 (+18.74%) Land $59,100 Building $394,000
2023	$4,602.00	$381,600 Land $59,100 Building $322,500

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 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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