31 Grove St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,030 sqft · built 1860
Lot Size	0.703 acres (30,601 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Nov 2017)
Tax Bill	$3,756 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U20 B:00001 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U20 B:00001 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,030 sqft Living Area
Gross Area	4,071 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,601 sqft (0.703 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	31 GROVE ST
City	SPENCER
State	MA
Zip	01562-1732
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	VR
Legal Block	1
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1004
Census Tract	726200

Owner

31 Grove St, a duplex, is owned and occupied by an individual who bought it in November 2017.

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	31 GROVE ST, SPENCER, MA 01562-1732
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2019	Deed of Trust, Mortgage · ARM HOMETOWN BANK
Nov 21, 2017	Quit Claim Deed, Transfer HERBERT SMITH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2017 · Amount on File
Deed Sale	Nov 21, 2017 · Amount on File
Prior Sale	Jan 2, 2003 · Amount on File
Deed Book / Page	58073 / 384
Transfer Doc	058073-384
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	31 GROVE ST, SPENCER, MA 01562-1732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADAMS & ASSOC LEGAL SVCS TIT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60191-192
Date	Mar 26, 2019
Book Page	60191/192
Instrument	26007

Lender

Name	HOMETOWN BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2029

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Nov 21, 2017
Property Address	31 GROVE ST, SPENCER, MA 01562-1732
Document Number	58073-384
Book / Page	058073 / 000384
Instrument Date	Nov 21, 2017
Instrument	462
Transaction Type	Transfer
Record Updated	Dec 12, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$889.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 GROVE ST SPENCER MA 015621732, SPENCER, MA 01562-1732

Mortgage

Document Number	58073-387
Date	Nov 21, 2017
Book Page	058073/000387
Instrument	463

Lender

Name	HERBERT SMITH

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 31 Grove St was $3,756, up 10,333.3% from the year before.

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	$3,756.00 (+10,333.33%)	$342,100 (+10.43%) Land $58,400 Building $283,700	$347,290
2025	$36.00 (-98.99%)	$309,800 (-0.35%) Land $50,900 Building $258,900
2024	$3,557.00 (+4.71%)	$310,900 (+10.37%) Land $50,900 Building $260,000
2023	$3,397.00	$281,700 Land $50,900 Building $230,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 31 Grove 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

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

Wildfire risk around 31 Grove 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	None beyond 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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