307 Spencer Rd, Oakham, MA 01068 Property Records

Worcester County and Oakham Town property record for 307 Spencer Rd, Oakham, MA 01068

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,740 sqft · built 1920
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on File
Last Sale	$412,000 (Sep 2024)
Tax Bill	$4,235 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Jun 2020 Sale & Mortgage
APN	`OAKH M:4090 B:0000 L:00530`

Property Details

APN / Parcel Number

Primary APN	`OAKH M:4090 B:0000 L:00530`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	3,504 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	187,308 sqft (4.3 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	307 SPENCER RD
City	OAKHAM
State	MA
Zip	01068-9534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	530
Jurisdiction	OAKHAM MA
Township / Civil Division	OAKHAM
Census Block Group	1
Census Block	1049
Census Tract	721101

Owner

Source: Worcester County and Oakham Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	29 BROADWAY ST, SHREWSBURY, MA 01545-2644
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Line of Credit MASS BAY CREDIT UNION
Jun 26, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2024 · Amount on File
Deed Sale	Sep 12, 2024 · Amount on File
Prior Sale	Jun 26, 2020 · Amount on File
Deed Document Number	202474173
Deed Book / Page	71015 / 292
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	307 SPENCER RD, OAKHAM, MA 01068-9534
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00066934-1
Date	Jan 12, 2022
Book Page	66934/1
Instrument	4592

Lender

Name	MASS BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKHAM MA
Recording Date	Jun 26, 2020
Property Address	307 SPENCER RD, OAKHAM, MA 01068-9534
Document Number	62678-307
Book / Page	62678 / 307
Instrument Date	Jun 19, 2020
Instrument	68080
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	307 SPENCER RD, OAKHAM, MA 01068-9534

Mortgage

Document Number	68081
Date	Jun 26, 2020
Instrument	68081

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Worcester County and Oakham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Oakham Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,235.00 (+6.06%)	$366,700 (+1.75%) Land $135,800 Building $230,900	$384,560 (+0.75%)
2024	$3,993.00 (+7.51%)	$360,400 (+12.27%) Land $133,200 Building $227,200	$381,710
2023	$3,714.00	$321,000 Land $117,400 Building $203,600

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	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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