31 Cherry St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 31 Cherry St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,120 sqft · built 1780
Lot Size	0.215 acres (9,345 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jul 2019)
Tax Bill	$4,165 (2026)
Deeds & Mortgages	Sep 2021 Refinance Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U07 B:00071 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U07 B:00071 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
Gross Area	3,640 sqft
Basement Area	920 sqft
Unfinished Basement	920 sqft

Exterior

Year Built	Built 1780
Effective Year Built	Effective 1780
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,345 sqft (0.215 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	31 CHERRY ST
City	SPENCER
State	MA
Zip	01562-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	71
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2001
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	Individual Name on Record
Mailing Address	31 CHERRY ST, SPENCER, MA 01562-2112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONAL LENDING CORP
Jul 18, 2019	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
May 11, 2017	Quit Claim Deed, Transfer TIDEWATER MTG SERVICE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2019 · Amount on Record
Deed Sale	Jul 18, 2019 · Amount on Record
Prior Sale	May 11, 2017 · Amount on Record
Deed Book / Page	60726 / 114
Prior Transfer Date	Jul 8, 2019
Prior Transfer Doc	060726-114
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	31 CHERRY ST, SPENCER, MA 01562-2112
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066115-114
Date	Sep 22, 2021
Book Page	66115/114
Instrument	132610

Lender

Name	NATIONAL LENDING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jul 18, 2019
Property Address	31 CHERRY ST, SPENCER, MA 01562-2112
Document Number	60726-114
Book / Page	60726 / 114
Instrument Date	Jul 8, 2019
Instrument	69335
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	HIGHLAND TITLE

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
Address	31 CHERRY ST, SPENCER, MA 01562-2112

Mortgage

Document Number	69336
Date	Jul 18, 2019
Instrument	69336

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	May 11, 2017
Property Address	31 CHERRY ST, SPENCER, MA 01562-2112
Document Number	57100-386
Book / Page	57100 / 386
Instrument	47625
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22.19
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 CHERRY ST, SPENCER, MA 01562-2112

Mortgage

Document Number	571010001
Date	May 11, 2017
Instrument	57101/0001

Lender

Name	TIDEWATER MTG SERVICE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 11, 2047

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	$4,165.00 (+11,469.44%)	$379,300 (+20.37%) Land $46,800 Building $332,500	$360,114 (+20.53%)
2025	$36.00 (-99.01%)	$315,100 (-0.69%) Land $40,700 Building $274,400	$298,775
2024	$3,630.00 (+5.43%)	$317,300 (+11.14%) Land $40,700 Building $276,600
2023	$3,443.00	$285,500 Land $40,700 Building $244,800

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
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

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

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 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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