389 Spencer Rd, Oakham, MA 01068 Property Records

Worcester County and Oakham Town property record for 389 Spencer Rd, Oakham, MA 01068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,074 sqft · built 1940
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,500 (Dec 2006)
Tax Bill	$4,082 (2025)
Deeds & Mortgages	Oct 2026 Transfer Sep 2021 Line of Credit + 3 more
APN	`OAKH M:4090 B:0000 L:00470`

Property Details

APN / Parcel Number

Primary APN	`OAKH M:4090 B:0000 L:00470`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,074 sqft Living Area
Gross Area	3,788 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	389 SPENCER RD
City	OAKHAM
State	MA
Zip	01068-9534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	470
Jurisdiction	OAKHAM MA
Township / Civil Division	OAKHAM
Census Block Group	1
Census Block	1049
Census Tract	721101

Owner

Source: Worcester County and Oakham Town records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	389 SPENCER RD, OAKHAM, MA 01068-9534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 8, 2021	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Jan 18, 2017	Deed of Trust, Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2006 · Amount on Record
Deed Sale	Dec 4, 2006 · Amount on Record
Deed Document Number	2006180530
Deed Book / Page	40272 / 75
Last Transfer Date	Sep 29, 2026
Transfer Doc	0000086407
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKHAM MA
Recording Date	Oct 1, 2026
Property Address	389 SPENCER RD, OAKHAM, MA 01068-9534
Document Number	0000086407
Book / Page	74248 / 309
Instrument Date	Sep 29, 2026
Instrument	202686407
Transaction Type	Transfer
Record Updated	Oct 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SPENCER RD, OAKHAM, MA 01068-9534

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	389 SPENCER RD, OAKHAM, MA 01068-9534
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66008-186
Date	Sep 8, 2021
Book Page	66008/186
Instrument	125710

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	389 SPENCER RD, OAKHAM, MA 01068-9534
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64731-53
Date	Mar 22, 2021
Book Page	64731/53
Instrument	38830

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	389 SPENCER RD, OAKHAM, MA 01068-9534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56627-91
Date	Jan 18, 2017
Book Page	56627/91
Instrument	6286

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKHAM MA
Property Address	389 SPENCER RD, OAKHAM, MA 01068-9534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62287-358
Date	Apr 28, 2020
Book Page	62287/358
Instrument	42274

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2045

Tax Assessment & Valuation

Source: Worcester County and Oakham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Oakham Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,082.00 (+6.03%)	$353,400 (+1.7%) Land $104,300 Building $249,100	$442,130 (+4.47%)
2024	$3,850.00 (+7.45%)	$347,500 (+12.21%) Land $102,300 Building $245,200	$423,225
2023	$3,583.00	$309,700 Land $89,700 Building $220,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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