4 Debbie Dr, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 4 Debbie Dr, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,992 sqft · built 2004
Lot Size	1.04 acres (45,436 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Sep 2024)
Tax Bill	$5,925 (2026)
Deeds & Mortgages	Feb 2021 Refinance Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R46 B:00020 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R46 B:00020 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,992 sqft Living Area
Gross Area	3,776 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,436 sqft (1.04 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4 DEBBIE DR
City	SPENCER
State	MA
Zip	01562-1445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	LAURELDALE WOODS
Legal Block	20
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1020
Census Tract	726100

Owner

4 Debbie Dr is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 DEBBIE DR, SPENCER, MA 01562-1445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC
Oct 7, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2024 · Amount on File
Deed Sale	Sep 20, 2024 · Amount on File
Prior Sale	Feb 15, 2012 · Amount on File
Deed Book / Page	71050 / 148
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	4 DEBBIE DR, SPENCER, MA 01562-1445
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064458-117
Date	Feb 16, 2021
Book Page	64458/117
Instrument	21304

Lender

Name	ARC HOME LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEOMINSTER MA
Recording Date	Oct 7, 2022
Property Address	4 DEBBIE DR, SPENCER, MA 01562-1445
Document Number	010440-182
Book / Page	10440 / 182
Instrument Date	Oct 6, 2022
Instrument	18298
Transaction Type	Transfer
Record Updated	Oct 21, 2022

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	101 N COMMON RD, WESTMINSTER, MA 01473-1024

Tax Assessment & Valuation

The 2026 property tax bill for 4 Debbie Dr was $5,925, up 10,672.7% from the year before.

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	$5,925.00 (+10,672.73%)	$539,600 (+14.81%) Land $62,600 Building $477,000	$530,436 (-0.38%)
2025	$55.00 (-98.98%)	$470,000 (+0.11%) Land $54,500 Building $415,500	$532,475
2024	$5,371.00 (+6.59%)	$469,500 (+12.37%) Land $54,500 Building $415,000
2023	$5,039.00	$417,800 Land $54,500 Building $363,300

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

Flood

FEMA maps place 4 Debbie Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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	2 in force
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1993 · rainfall accumulation

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 4 Debbie Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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