4 Craig Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 4 Craig Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,320 sqft · built 1953
Lot Size	0.205 acres (8,942 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Apr 2012)
Tax Bill	$3,941 (2026)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U19 B:00004 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U19 B:00004 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	4,466 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,942 sqft (0.205 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 CRAIG RD
City	SPENCER
State	MA
Zip	01562-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Subdivision	LAND CHARLTON MASS
Legal Block	4
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1000
Census Tract	726200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	4 CRAIG RD, SPENCER, MA 01562-1648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Jul 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2012 · Amount on Record
Deed Sale	Apr 25, 2012 · Amount on Record
Prior Sale	May 12, 2000 · Amount on Record
Deed Book / Page	48872 / 107
Transfer Doc	048872-107
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	4 CRAIG RD, SPENCER, MA 01562-1648
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065763-203
Date	Aug 3, 2021
Book Page	65763/203
Instrument	108856

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	4 CRAIG RD, SPENCER, MA 01562-1648
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65763-203
Date	Aug 3, 2021
Book Page	65763/203
Instrument	108856

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	4 CRAIG RD, SPENCER, MA 01562-1648
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62902-183
Date	Jul 29, 2020
Book Page	62902/183
Instrument	82555

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

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	$3,941.00 (+9,512.2%)	$358,900 (+2.66%) Land $46,600 Building $312,300	$364,468 (-6.31%)
2025	$41.00 (-98.9%)	$349,600 (+7.01%) Land $40,500 Building $309,100	$389,025
2024	$3,737.00 (+5.18%)	$326,700 (+10.9%) Land $40,500 Building $286,200
2023	$3,553.00	$294,600 Land $40,500 Building $254,100

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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