4 Brown St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 4 Brown St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,899 sqft · built 1887
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$384,000 (Jun 2026)
Tax Bill	$3,821 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U14 B:00039 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U14 B:00039 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,899 sqft Living Area
Gross Area	3,400 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 BROWN ST
City	SPENCER
State	MA
Zip	01562-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Subdivision	LAND MILLVILLE
Legal Block	39
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4018
Census Tract	726200

Owner

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4 BROWN ST, SPENCER, MA 01562-1702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit
Jun 25, 2026	Quit Claim Deed, Transfer · FHA Mortgage
Jan 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP
Jan 26, 2024	Deed, Transfer
May 2, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Jan 26, 2024 · Amount on Record
Deed Document Number	202652191
Deed Book / Page	73774 / 113
Prior Transfer Date	Dec 28, 2023
Prior Transfer Doc	070134-303
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	Jun 25, 2026
Property Address	4 BROWN ST, SPENCER, MA 01562-1702
Document Number	0000052193
Book / Page	73774 / 133
Instrument Date	Jun 15, 2026
Instrument	202652193
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BROWN ST, SPENCER, MA 01562-1702

Mortgage

Document Number	0000052193,
Date	Jun 25, 2026
Book Page	73774/133
Instrument	202652193

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jun 25, 2026
Property Address	4 BROWN ST, SPENCER, MA 01562-1702
Document Number	0000052191
Book / Page	73774 / 113
Instrument Date	Jun 10, 2026
Instrument	202652191
Transaction Type	Transfer
Record Updated	Jul 15, 2026

Transaction

Amount	Amount Recorded
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
Address	4 BROWN ST, SPENCER, MA 01562-1702

Mortgage

Date	Jun 25, 2026

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	4 BROWN ST, SPENCER, MA 01562-1702
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064317-213
Date	Jan 26, 2021
Book Page	64317/213
Instrument	11663

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SPENCER MA
Recording Date	Jan 26, 2024
Property Address	4 BROWN ST, SPENCER, MA 01562-1702
Document Number	070134-303
Book / Page	70134 / 303
Instrument Date	Dec 28, 2023
Instrument	6317
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BROWN ST, SPENCER, MA 01562-1702
Investor	Possibly a Property Investor

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	May 2, 2022
Property Address	4 BROWN ST, SPENCER, MA 01562-1702
Document Number	067529-300
Book / Page	67529 / 300
Instrument Date	May 2, 2022
Instrument	48211
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	4 BROWN ST, SPENCER, MA 01562-1702
Investor	Possibly a Property Investor

Mortgage

Document Number	0000048212
Date	May 2, 2022
Instrument	48212

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,821.00 (+11,138.24%)	$348,000 (+20.08%) Land $48,700 Building $299,300	$367,495 (+31.76%)
2025	$34.00 (-98.93%)	$289,800 (+4.36%) Land $42,400 Building $247,400	$278,920
2024	$3,177.00 (+4.4%)	$277,700 (+10.07%) Land $42,400 Building $235,300
2023	$3,043.00	$252,300 Land $42,400 Building $209,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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