Worcester County and Spencer Town property record for 3 Salem St, Spencer, MA 01562
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 2,396 sqft · built 1890 |
| Lot Size | 0.187 acres (8,167 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Nov 2003) |
| Tax Bill | $4,282 (2026) |
| Deeds & Mortgages | Feb 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U07 B:00166 L:00000 |
| Primary APN | SPEN M:00U07 B:00166 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,396 sqft Living Area |
| Gross Area | 4,331 sqft |
| Basement Area | 888 sqft |
| Unfinished Basement | 888 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Other |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,167 sqft (0.187 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 3 SALEM ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2351 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | VR |
| Legal Block | 166 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 726200 |
3 Salem St, a duplex, is owned and occupied by an individual who bought it in November 2003.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 SALEM ST, SPENCER, MA 01562-2351 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2003 · Amount on File |
| Deed Sale | Nov 14, 2003 · Amount on File |
| Deed Document Number | 2003301561 |
| Deed Book / Page | 32232 / 303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 SALEM ST, SPENCER, MA 01562-2351 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 61918-252 |
|---|---|
| Date | Feb 20, 2020 |
| Book Page | 61918/252 |
| Instrument | 17621 |
| Name | MILLBURY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
The 2026 property tax bill for 3 Salem St was $4,282, up 10,343.9% 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 | $4,282.00 (+10,343.9%) | $390,000 (+10.95%) Land $46,100 Building $343,900 | $412,555 |
| 2025 | $41.00 (-98.89%) | $351,500 (+8.52%) Land $36,000 Building $315,500 | |
| 2024 | $3,705.00 (+5.26%) | $323,900 (+10.96%) Land $36,000 Building $287,900 | |
| 2023 | $3,520.00 | $291,900 Land $36,000 Building $255,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Salem St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 3 Salem St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile, Verizon.
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