3 Main St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,607 sqft · built 1750
Lot Size	1.22 acres (53,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Oct 2025)
Tax Bill	$5,263 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U12 B:00056 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U12 B:00056 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,607 sqft Living Area
Gross Area	4,632 sqft
Basement Area	812 sqft
Unfinished Basement	812 sqft

Exterior

Year Built	Built 1750
Effective Year Built	Effective 1750
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,276 sqft (1.22 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 MAIN ST
City	SPENCER
State	MA
Zip	01562-2411
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	VR
Legal Block	56
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1012
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 MAIN ST, SPENCER, MA 01562-2411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 14, 2022	Quit Claim Deed, Transfer · FHA Mortgage SEACOAST MORTGAGE CORPORATION
Oct 4, 2016	Deed of Trust, Mortgage · Conventional Mortgage MASSACHUSETTS HSNG PARTNER FUN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Nov 14, 2022 · Amount on Record
Deed Document Number	202588065
Deed Book / Page	72664 / 377
Record Updated	Oct 29, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Oct 10, 2025
Property Address	3 MAIN ST, SPENCER, MA 01562-2411
Document Number	072664-377
Book / Page	72664 / 377
Instrument Date	Oct 10, 2025
Instrument	88065
Transaction Type	Transfer
Record Updated	Jan 26, 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	Joint Tenants
Address	3 MAIN ST, SPENCER, MA 01562-2411

Mortgage

Document Number	0000088066
Date	Oct 10, 2025
Instrument	88066

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Nov 14, 2022
Property Address	3 MAIN ST, SPENCER, MA 01562-2411
Document Number	068483-152
Book / Page	68483 / 152
Instrument Date	Nov 14, 2022
Instrument	122189
Transaction Type	Transfer
Record Updated	Jan 26, 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	Joint Tenants with Right of Survivorship
Address	3 MAIN ST, SPENCER, MA 01562-2411

Mortgage

Document Number	0000122190
Date	Nov 14, 2022
Instrument	122190

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	3 MAIN ST, SPENCER, MA 01562-2411
Document Number	56686-58
Book / Page	056686 / 000058
Instrument Date	Oct 4, 2016
Transaction Type	Mortgage
Record Updated	Feb 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56686-58
Date	Jan 31, 2017
Book Page	056686/000058
Instrument	11379

Lender

Name	MASSACHUSETTS HSNG PARTNER FUN
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$5,263.00 (+4.24%)	$479,300 (+11.44%) Land $63,800 Building $415,500	$464,226
2025	$5,049.00 (+12.4%)	$430,100 (+9.52%) Land $50,000 Building $380,100
2024	$4,492.00 (+5.1%)	$392,700 (+10.81%) Land $50,000 Building $342,700
2023	$4,274.00	$354,400 Land $50,000 Building $304,400

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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 233 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
T-Mobile Fixed Wireless	100 / 20

3 Main St, Spencer, MA 01562 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2025: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2022: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2016: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number