Worcester County and Spencer Town property record for 4 Muzzy St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,232 sqft · built 1955 |
| Lot Size | 0.222 acres (9,675 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $338,000 (Dec 2025) |
| Tax Bill | $3,480 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U06 B:00089 L:00000 |
| Primary APN | SPEN M:00U06 B:00089 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 2,932 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,675 sqft (0.222 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 4 MUZZY ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 89 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 726200 |
Source: Worcester County and Spencer Town records, as of April 14, 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 MUZZY ST, SPENCER, MA 01562-2244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Dec 18, 2025 | Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage IBM INTERSTATE EMPS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2025 · Amount on Record |
| Deed Sale | Dec 18, 2025 · Amount on Record |
| Prior Sale | May 6, 2024 · Amount on Record |
| Deed Book / Page | 72983 / 89 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Dec 18, 2025 |
| Property Address | 4 MUZZY ST, SPENCER, MA 01562-2244 |
| Document Number | 0072983-89 |
| Book / Page | 72983 / 89 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 110467 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 MUZZY ST, SPENCER, MA 01562-2244 |
| Document Number | 0000110468 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 110468 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 4 MUZZY ST, SPENCER, MA 01562-2244 |
| Document Number | 60160-54 |
| Instrument Date | Mar 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4 MUZZY ST SPENCER MA 015622244, SPENCER, MA 01562-2244 |
| Document Number | 60160-54 |
|---|---|
| Date | Mar 18, 2019 |
| Book Page | 060160/000054 |
| Instrument | 23325 |
| Name | IBM INTERSTATE EMPS FCU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,480.00 (+14.78%) | $296,400 (+11.85%) Land $40,800 Building $255,600 | $315,970 |
| 2024 | $3,032.00 (+7.48%) | $265,000 (+13.3%) Land $40,800 Building $224,200 | |
| 2023 | $2,821.00 | $233,900 Land $40,800 Building $193,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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