Worcester County and Spencer Town property record for 32 Main St, Spencer, MA 01562
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 2,643 sqft · built 1887 |
| Lot Size | 0.287 acres (12,483 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Jul 2026) |
| Tax Bill | $4,171 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U08 B:00128 L:00000 |
| Primary APN | SPEN M:00U08 B:00128 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 2,643 sqft Living Area |
| Gross Area | 4,504 sqft |
| Basement Area | 961 sqft |
| Unfinished Basement | 961 sqft |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 1887 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,483 sqft (0.287 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 32 MAIN ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2266 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | VR |
| Legal Block | 128 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 726200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Spencer Town Center Historic District (Boundary Increase) listed 2003 · 131 contributing resources · NRIS 03000685 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
32 Main St, a triplex, is owned by two individuals who bought it in July 2026.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 DEBBIE DR, SPENCER, MA 01562-1444 |
| Owner Type | Individual |
| Vesting | Married Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 29, 2026 | Quit Claim Deed, Transfer · ARM CORNERSTONE BANK |
| Mar 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Jul 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage EVOLVE BANK & TRUST |
| Nov 1, 2018 | Quit Claim Deed, Transfer · FHA Mortgage EVOLVE BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2026 · Amount on File |
| Deed Sale | Jul 29, 2026 · Amount on File |
| Prior Sale | Nov 1, 2018 · Amount on File |
| Deed Document Number | 202664338 |
| Deed Book / Page | 73946 / 371 |
| Transfer Doc | 0059637-47 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jul 29, 2026 |
| Property Address | 32 MAIN ST, SPENCER, MA 01562-2266 |
| Document Number | 0000064338 |
| Book / Page | 73946 / 371 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202664338 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 DEBBIE DR, SPENCER, MA 01562-1444 |
| Date | Jul 29, 2026 |
|---|
| Name | CORNERSTONE BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Adjustable Rate |
| Type Change Date | Aug 1, 2031 |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 32 MAIN ST, SPENCER, MA 01562-2266 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067194-383 |
|---|---|
| Date | Mar 1, 2022 |
| Book Page | 67194/383 |
| Instrument | 23551 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 32 MAIN ST, SPENCER, MA 01562-2266 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62866-348 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 62866/348 |
| Instrument | 80378 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Nov 1, 2018 |
| Property Address | 32 MAIN ST, SPENCER, MA 01562-2266 |
| Document Number | 59637-47 |
| Book / Page | 059637 / 000047 |
| Instrument Date | Oct 12, 2018 |
| Instrument | 116746 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 91 PLEASANT ST SPENCER MA 015621631, SPENCER, MA 01562-1631 |
| Document Number | 59637-50 |
|---|---|
| Date | Nov 1, 2018 |
| Book Page | 059637/000050 |
| Instrument | 116747 |
| Name | EVOLVE BK&TR |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 31, 2048 |
The 2026 property tax bill for 32 Main St was $4,171, up 10,327.5% 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 |
|---|---|---|
| 2026 | $4,171.00 (+10,327.5%) | $379,900 (+11.37%) Land $46,000 Building $333,900 |
| 2025 | $40.00 (-98.89%) | $341,100 (+8.56%) Land $36,000 Building $305,100 |
| 2024 | $3,594.00 (+5.15%) | $314,200 (+10.87%) Land $36,000 Building $278,200 |
| 2023 | $3,418.00 | $283,400 Land $36,000 Building $247,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 32 Main St in Zone X, an area of minimal flood risk.
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 | 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 32 Main 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 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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