4 Howe Rd, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,960 sqft · built 2008
Lot Size	1.38 acres (60,436 sqft)
Owner	Individual Name on Record
Last Sale	$472,000 (May 2021)
Tax Bill	$5,543 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R23 B:00034 L:00002`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R23 B:00034 L:00002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,960 sqft Living Area
Gross Area	3,624 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,436 sqft (1.38 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 HOWE RD
City	SPENCER
State	MA
Zip	01562-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	34
Legal Lot Number	2
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2009
Census Tract	726100

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 HOWE RD, SPENCER, MA 01562-2710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
May 21, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Prior Sale	Jul 11, 2014 · Amount on Record
Deed Book / Page	65225 / 155
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	4 HOWE RD, SPENCER, MA 01562-2710
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072635-124
Date	Oct 6, 2025
Book Page	72635/124
Instrument	85918

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

Interest

Rate Type	Adjustable Rate

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	May 21, 2021
Property Address	4 HOWE RD, SPENCER, MA 01562-2710
Document Number	65225-155
Book / Page	65225 / 155
Instrument Date	May 21, 2021
Instrument	71185
Transaction Type	Transfer
Record Updated	Jun 4, 2021

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	Tenants by the Entirety
Address	4 HOWE AVE, SPENCER, MA 01562-2368

Mortgage

Document Number	71186
Date	May 21, 2021
Instrument	71186

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
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	$5,543.00 (-0.61%)	$504,800 (+6.27%) Land $64,800 Building $440,000	$505,619 (-13.3%)
2025	$5,577.00 (+2.78%)	$475,000 (+0.15%) Land $56,400 Building $418,600	$583,205
2024	$5,426.00 (+5.48%)	$474,300 (+11.21%) Land $56,400 Building $417,900
2023	$5,144.00	$426,500 Land $56,400 Building $370,100

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 · 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	3 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 43 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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