343 Spencer St, Fall River, MA 02721 Property Records

Bristol County and Fall River City property record for 343 Spencer St, Fall River, MA 02721

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,997 sqft · built 1930
Lot Size	0.194 acres (8,438 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (May 2026)
Tax Bill	$4,688 (2025)
Deeds & Mortgages	Jun 2022 Refinance May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`FALL M:0D-06 B:0000 L:0062`

Property Details

APN / Parcel Number

Primary APN	`FALL M:0D-06 B:0000 L:0062`
Alternative APN	`M:0D=06 B:0000 L:0062`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,997 sqft Living Area
Gross Area	3,674 sqft
Basement Area	1,245 sqft
Unfinished Basement	1,245 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,438 sqft (0.194 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	343 SPENCER ST
City	FALL RIVER
State	MA
Zip	02721-4522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S
Legal Lot Number	62
Jurisdiction	FALL RIVER MA
Township / Civil Division	FALL RIVER
Census Block Group	3
Census Block	3022
Census Tract	640800

Owner

343 Spencer St is owned and occupied by an individual who bought it in May 2026.

Source: Bristol County and Fall River City records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	343 SPENCER ST, FALL RIVER, MA 02721-4522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT
May 27, 2026	Quit Claim Deed, Transfer · FHA Mortgage BAYCOAST MORTGAGE COMPANY LLC
Jun 19, 2020	Quit Claim Deed, Transfer · FHA Mortgage SHAMROCK HM LNS
Oct 26, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE
Jul 11, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on File
Deed Sale	May 27, 2026 · Amount on File
Prior Sale	Jun 19, 2020 · Amount on File
Deed Document Number	20267000
Deed Book / Page	12065 / 222
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	343 SPENCER ST, FALL RIVER, MA 02721-4522
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	011039-282
Date	Jun 14, 2022
Book Page	11039/282
Instrument	10862

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Jul 1, 2050

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	May 27, 2026
Property Address	343 SPENCER ST, FALL RIVER, MA 02721-4522
Document Number	012065-222
Book / Page	12065 / 222
Instrument Date	May 27, 2026
Instrument	20267000
Transaction Type	Transfer
Record Updated	Jun 17, 2026

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
Relationship	Joint Tenants
Address	343 SPENCER ST, FALL RIVER, MA 02721-4522

Mortgage

Date	May 27, 2026

Lender

Name	BAYCOAST MORTGAGE COMPANY LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	Jun 19, 2020
Property Address	343 SPENCER ST, FALL RIVER, MA 02721-4522
Document Number	10140-43
Book / Page	010140 / 000043
Instrument Date	Jun 19, 2020
Instrument	10298
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,391.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 SPENCER ST FALL RIVER MA 027214522, FALL RIVER, MA 02721-4522

Mortgage

Document Number	10140-46
Date	Jun 19, 2020
Book Page	010140/000046
Instrument	10299

Lender

Name	SHAMROCK HM LNS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	Oct 26, 2018
Property Address	343 SPENCER ST, FALL RIVER, MA 02721-4522
Document Number	9632-179
Book / Page	9632 / 179
Instrument	18090
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	96320182
Date	Oct 26, 2018
Instrument	09632/0182

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2048

July 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	FALL RIVER MA
Recording Date	Jul 11, 2017
Property Address	343 SPENCER ST, FALL RIVER, MA 02721-4522
Document Number	9284-265
Book / Page	009284 / 000265
Instrument Date	May 31, 2017
Instrument	11294
Transaction Type	Foreclosure
Record Updated	Aug 1, 2017

Transaction

Amount	Amount on Record
Tax	$456.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	343 SPENCER ST FALL RIVER MA 027214522, FALL RIVER, MA 02721-4522

Tax Assessment & Valuation

The 2025 property tax bill for 343 Spencer St was $4,688, up 6.1% from the year before.

Source: Bristol County and Fall River City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Bristol County
Municipality	Fall River City
Unified School District	Fall River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,688.00 (+6.06%)	$409,400 (+6.42%) Land $132,500 Building $276,900	$521,075 (+10.27%)
2024	$4,420.00 (-1.82%)	$384,700 (+4.85%) Land $127,500 Building $257,200	$472,530
2023	$4,502.00	$366,900 Land $121,300 Building $245,600

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

Flood

FEMA maps place 343 Spencer 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 June 22, 2026 · 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	3 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

Wildfire risk around 343 Spencer St is low, with less than 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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	FALL RIVER WATER DEPARTMENT serves 94,000 people · EPA ID MA4095000
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	12 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Cox Communications, T-Mobile.

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