Worcester County and Spencer Town property record for 3 Spinnaker Dr, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1992 |
| Lot Size | 1.03 acres (45,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Mar 2003) |
| Tax Bill | $50 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Oct 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R36 B:00011 L:00022 |
| Primary APN | SPEN M:00R36 B:00011 L:00022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 2,790 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,000 sqft (1.03 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 3 SPINNAKER DR |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 11 |
| Legal Lot Number | 22 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 726100 |
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 SPINNAKER DR, SPENCER, MA 01562-1522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage · Line of Credit COUNTRY BANK |
| Oct 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Aug 3, 2018 | Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLL FCU |
| Dec 23, 2019 | Quit Claim Deed, Transfer · Stand-Alone Refinance MEMBER ADVANTAGE MORTGAGE LLC |
| Jun 9, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 2003 · Amount on Record |
| Deed Sale | Mar 31, 2003 · Amount on Record |
| Prior Sale | Feb 27, 1992 · Amount on Record |
| Deed Book / Page | 29517 / 2 |
| Transfer Doc | 57237-55 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 SPINNAKER DR, SPENCER, MA 01562-1522 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 073336-322 |
|---|---|
| Date | Mar 20, 2026 |
| Book Page | 73336/322 |
| Instrument | 21145 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 SPINNAKER DR, SPENCER, MA 01562-1522 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 066377-135 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 66377/135 |
| Instrument | 150109 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 3 SPINNAKER DR, SPENCER, MA 01562-1522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59206-98 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 59206/98 |
| Instrument | 80627 |
| Name | UMASS/FIVE COLL FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Dec 23, 2019 |
| Property Address | 3 SPINNAKER DR, SPENCER, MA 01562-1522 |
| Document Number | 61643-32 |
| Book / Page | 61643 / 32 |
| Instrument Date | Dec 17, 2019 |
| Instrument | 140159 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 SPINNAKER DR, SPENCER, MA 01562-1522 |
| Document Number | 61643-34 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 61643/34 |
| Instrument | 140160 |
| Name | MEMBER ADVANTAGE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 253 Months |
| Due | Jan 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jun 9, 2017 |
| Property Address | 3 SPINNAKER DR, SPENCER, MA 01562-1522 |
| Document Number | 57237-55 |
| Book / Page | 057237 / 000055 |
| Instrument Date | Jun 8, 2017 |
| Instrument | 59321 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 SPINNAKER DR SPENCER MA 015621522, SPENCER, MA 01562-1522 |
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 |
|---|---|---|---|
| 2025 | $50.00 (-98.93%) | $427,500 (+4.99%) Land $59,900 Building $367,600 | $410,780 |
| 2024 | $4,658.00 (+3.97%) | $407,200 (+9.61%) Land $59,900 Building $347,300 | |
| 2023 | $4,480.00 | $371,500 Land $59,900 Building $311,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 1 (1993) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 1993 · rainfall accumulation |
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.
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 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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