40 Ash St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 40 Ash St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,868 sqft · built 1900
Lot Size	0.18 acres (7,832 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Sep 2023)
Tax Bill	$4,781 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U07 B:00132 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U07 B:00132 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,868 sqft Living Area
Gross Area	3,750 sqft
Basement Area	865 sqft
Unfinished Basement	865 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,832 sqft (0.18 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 ASH ST
City	SPENCER
State	MA
Zip	01562-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	132
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2002
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	40 ASH ST, SPENCER, MA 01562-2316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage SERVBANK NA
Sep 29, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NATIONWIDE MORTGAGE BANKERS
Oct 3, 2022	Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC
Sep 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Sep 30, 2021 · Amount on Record
Deed Document Number	202381289
Deed Book / Page	69703 / 99
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	40 ASH ST, SPENCER, MA 01562-2316
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072921-171
Date	Dec 4, 2025
Book Page	72921/171
Instrument	106080

Lender

Name	SERVBANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 29, 2023
Property Address	40 ASH ST, SPENCER, MA 01562-2316
Document Number	0069703-99
Book / Page	69703 / 99
Instrument Date	Sep 29, 2023
Instrument	81289
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Amount	Amount Recorded
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	40 ASH ST, SPENCER, MA 01562-2316

Mortgage

Document Number	0000081290
Date	Sep 29, 2023
Instrument	81290

Lender

Name	NATIONWIDE MORTGAGE BANKERS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	40 ASH ST, SPENCER, MA 01562-2316
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068306-270
Date	Oct 3, 2022
Book Page	68306/270
Instrument	108345

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 30, 2021
Property Address	40 ASH ST, SPENCER, MA 01562-2316
Document Number	66194-55
Book / Page	66194 / 55
Instrument Date	Sep 16, 2021
Instrument	137826
Transaction Type	Transfer
Record Updated	Oct 15, 2021

Transaction

Amount	Amount Recorded
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	14 TOWER ST, WORCESTER, MA 01606-3527

Mortgage

Document Number	137827
Date	Sep 30, 2021
Instrument	137827

Lender

Name	LENDINGHOME FUNDING CORP

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	$4,781.00 (+14.13%)	$435,400 (+22.03%) Land $45,900 Building $389,500	$384,306 (+1.56%)
2025	$4,189.00 (+7.3%)	$356,800 (+4.54%) Land $35,900 Building $320,900	$378,385
2024	$3,904.00 (+131.01%)	$341,300 (+143.61%) Land $35,900 Building $305,400
2023	$1,690.00	$140,100 Land $35,900 Building $104,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	1 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.

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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