Worcester County and Spencer Town property record for 34 Main St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,488 sqft · built 1890 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Aug 2018) |
| Tax Bill | $4,496 (2026) |
| Deeds & Mortgages | Jun 2022 Refinance Feb 2024 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U08 B:00127 L:00000 |
| Primary APN | SPEN M:00U08 B:00127 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,488 sqft Living Area |
| Gross Area | 5,104 sqft |
| Basement Area | 1,244 sqft |
| Unfinished Basement | 1,244 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,983 sqft (0.321 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 34 MAIN ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 127 |
| 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.
34 Main St is owned and occupied by an individual who bought it in August 2018.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 34 MAIN ST, SPENCER, MA 01562-2138 |
| 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.
| Date | Document |
|---|---|
| Jun 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BRUCE KARLIN |
| Feb 6, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance BRUCE KARLIN |
| Nov 8, 2018 | Deed of Trust, Mortgage BRUCE KARLIN |
| Feb 15, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BRUCE KARLIN |
| Nov 22, 2019 | Deed of Trust, Mortgage BRUCE KARLIN |
| Aug 24, 2018 | Quit Claim Deed, Transfer BRUCE KARLIN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2018 · Amount on File |
| Deed Sale | Aug 24, 2018 · Amount on File |
| Prior Sale | May 17, 2005 · Amount on File |
| Deed Book / Page | 59310 / 101 |
| Transfer Doc | 059310-101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 34 MAIN ST, SPENCER, MA 01562-2138 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 067780-348 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 67780/348 |
| Instrument | 67300 |
| Name | BRUCE KARLIN |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 34 MAIN ST, SPENCER, MA 01562-2138 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 070171-121 |
|---|---|
| Date | Feb 6, 2024 |
| Book Page | 70171/121 |
| Instrument | 9238 |
| Name | BRUCE KARLIN |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 34 MAIN ST, SPENCER, MA 01562-2138 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59663-294 |
|---|---|
| Date | Nov 8, 2018 |
| Book Page | 59663/294 |
| Instrument | 118967 |
| Name | BRUCE KARLIN |
|---|
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 34 MAIN ST, SPENCER, MA 01562-2138 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60051-68 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 60051/68 |
| Instrument | 14135 |
| Name | BRUCE KARLIN |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 34 MAIN ST, SPENCER, MA 01562-2138 |
| Document Number | 61477-41 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 34 MAIN ST SPENCER MA 015622138, SPENCER, MA 01562-2138 |
| Document Number | 61477-41 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 061477/000041 |
| Instrument | 126951 |
| Name | BRUCE KARLIN |
|---|
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Aug 24, 2018 |
| Property Address | 34 MAIN ST, SPENCER, MA 01562-2138 |
| Document Number | 59310-101 |
| Book / Page | 059310 / 000101 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 89527 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2018 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 288 MAIN ST SPENCER MA 015621839, SPENCER, MA 01562-1839 |
| Document Number | 59310-104 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 059310/000104 |
| Instrument | 89528 |
| Name | BRUCE KARLIN |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 34 Main St was $4,496, up 11,428.2% 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,496.00 (+11,428.21%) | $409,500 (+21.95%) Land $49,200 Building $360,300 | $373,168 (-11.19%) |
| 2025 | $39.00 (-98.94%) | $335,800 (+4.51%) Land $38,500 Building $297,300 | $420,185 |
| 2024 | $3,676.00 (+4.7%) | $321,300 (+10.37%) Land $38,500 Building $282,800 | |
| 2023 | $3,511.00 | $291,100 Land $38,500 Building $252,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 34 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 34 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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