Worcester County and Spencer Town property record for 35 Roberta Bay, Spencer, MA 01562
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,920 sqft · built 1967 |
| Lot Size | 0.187 acres (8,130 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Jul 2019) |
| Tax Bill | $3,999 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U03 B:00005 L:00000 |
| Primary APN | SPEN M:00U03 B:00005 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Living Area |
| Gross Area | 3,168 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 8,130 sqft (0.187 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 35 ROBERTA BAY |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2307 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 5 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 726200 |
35 Roberta Bay, a duplex, is owned and occupied by an individual who bought it in July 2019.
Source: Worcester County and Spencer Town records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 35 ROBERTA BAY, SPENCER, MA 01562-2307 |
| 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 |
|---|---|
| Jul 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Aug 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jul 31, 2019 | Quit Claim Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2019 · Amount on File |
| Deed Sale | Jul 31, 2019 · Amount on File |
| Prior Sale | Nov 23, 2011 · Amount on File |
| Deed Document Number | 201975357 |
| Deed Book / Page | 60805 / 215 |
| Prior Transfer Date | Jul 1, 2019 |
| Prior Transfer Doc | 60805-215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 35 ROBERTA BAY, SPENCER, MA 01562-2307 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067906-172 |
|---|---|
| Date | Jul 14, 2022 |
| Book Page | 67906/172 |
| Instrument | 76950 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 35 ROBERTA BAY, SPENCER, MA 01562-2307 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|
| Document Number | 065921-314 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 65921/314 |
| Instrument | 120182 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jul 31, 2019 |
| Property Address | 35 ROBERTA BAY, SPENCER, MA 01562 |
| Document Number | 60805-215 |
| Book / Page | 60805 / 215 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 75357 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 35 ROBERTA BAY, SPENCER, MA 01562 |
| Document Number | 75358 |
|---|---|
| Date | Jul 31, 2019 |
| Instrument | 75358 |
| Name | PRIMARY RESIDENTIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 35 Roberta Bay was $3,999, up 11.9% 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 |
|---|---|---|
| 2025 | $3,999.00 (+11.86%) | $340,600 (+8.99%) Land $36,000 Building $304,600 |
| 2024 | $3,575.00 (+4.93%) | $312,500 (+10.62%) Land $36,000 Building $276,500 |
| 2023 | $3,407.00 | $282,500 Land $36,000 Building $246,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 35 Roberta Bay 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 35 Roberta Bay 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 | Direct burnable vegetation |
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 180 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 |
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