4 Summit St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,292 sqft · built 1896
Lot Size	0.179 acres (7,785 sqft)
Owner	Individual Name on Record
Last Sale	$227,000 (Sep 2019)
Tax Bill	$35 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U06 B:00020 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U06 B:00020 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,292 sqft Living Area
Gross Area	2,187 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,785 sqft (0.179 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	4 SUMMIT ST
City	SPENCER
State	MA
Zip	01562-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	20
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4013
Census Tract	726200

Owner

Source: Worcester County and Spencer Town records, as of July 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 SUMMIT ST, SPENCER, MA 01562-2225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	Sep 27, 2013 · Amount on Record
Deed Document Number	2019100855
Deed Book / Page	61131 / 286
Transfer Doc	0000078549
Record Updated	Sep 20, 2026

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 27, 2019
Property Address	4 SUMMIT ST, SPENCER, MA 01562-2225
Document Number	61131-286
Book / Page	61131 / 286
Instrument Date	Aug 29, 2019
Instrument	100855
Transaction Type	Transfer
Record Updated	May 12, 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
Address	4 SUMMIT ST, SPENCER, MA 01562-2225

Mortgage

Document Number	100856
Date	Sep 27, 2019
Instrument	100856

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA 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
2025	$35.00 (-98.94%)	$300,100 (+4.42%) Land $35,900 Building $264,200	$322,240
2024	$3,288.00 (+5.38%)	$287,400 (+11.09%) Land $35,900 Building $251,500
2023	$3,120.00	$258,700 Land $35,900 Building $222,800

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	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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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