Worcester County and Spencer Town property record for 40 High St, Spencer, MA 01562
| Property Type | Triplex |
|---|---|
| Details | 7 bd · 3 ba · 3,083 sqft · built 1900 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,000 (Jan 2020) |
| Tax Bill | $4,385 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U13 B:00073 L:00000 |
| Primary APN | SPEN M:00U13 B:00073 L:00000 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 3,083 sqft Living Area |
| Gross Area | 5,735 sqft |
| Basement Area | 1,686 sqft |
| Unfinished Basement | 1,686 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 40 HIGH ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1618 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | VR |
| Legal Block | 73 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 726200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Spencer Town Center Historic District (Boundary Increase) listed 2003 · 131 contributing resources · NRIS 03000685 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
40 High St, a triplex, is owned and occupied by an individual who bought it in January 2020.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 HIGH ST, SPENCER, MA 01562-1618 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 27, 2021 | Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
| Apr 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Mar 22, 2023 | Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
| Jan 17, 2020 | Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2020 · Amount on File |
| Deed Sale | Jan 17, 2020 · Amount on File |
| Prior Sale | Feb 3, 1972 · Amount on File |
| Deed Document Number | 20205610 |
| Deed Book / Page | 61761 / 385 |
| Prior Transfer Date | Dec 23, 2019 |
| Prior Transfer Doc | 61761-385 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 40 HIGH ST, SPENCER, MA 01562-1618 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0066387-30 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 66387/30 |
| Instrument | 150667 |
| Name | UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 40 HIGH ST, SPENCER, MA 01562-1618 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 064895-111 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 64895/111 |
| Instrument | 49026 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 40 HIGH ST, SPENCER, MA 01562-1618 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 068938-323 |
|---|---|
| Date | Mar 22, 2023 |
| Book Page | 68938/323 |
| Instrument | 22102 |
| Name | UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jan 17, 2020 |
| Property Address | 40 HIGH ST, SPENCER, MA 01562-1618 |
| Document Number | 61761-385 |
| Book / Page | 61761 / 385 |
| Instrument Date | Dec 23, 2019 |
| Instrument | 5610 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount 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 | 40 HIGH ST, SPENCER, MA 01562-1618 |
| Document Number | 5611 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 5611 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 40 High St was $4,385, up 4.1% from the year before.
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 |
|---|---|---|
| 2026 | $4,385.00 (+4.13%) | $399,400 (+11.35%) Land $47,600 Building $351,800 |
| 2025 | $4,211.00 (+19.36%) | $358,700 (+16.31%) Land $37,300 Building $321,400 |
| 2024 | $3,528.00 (+13%) | $308,400 (+19.12%) Land $37,300 Building $271,100 |
| 2023 | $3,122.00 | $258,900 Land $37,300 Building $221,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 40 High St in Zone X, an area of minimal flood risk.
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 risk around 40 High St 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 | None beyond ember reach |
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 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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