40 Main St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,544 sqft · built 1887
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Mar 2018)
Tax Bill	$39 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U08 B:00124 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U08 B:00124 L:00000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,544 sqft Living Area
Gross Area	4,548 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,536 sqft (0.173 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 MAIN ST
City	SPENCER
State	MA
Zip	01562-2138
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	124
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3015
Census Tract	726200

Historic Designation

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.

Owner

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	193 CHARLTON RD, SPENCER, MA 01562-2807
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Prior Sale	Sep 30, 1993 · Amount on Record
Deed Book / Page	58576 / 224
Record Updated	Jun 8, 2026

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Mar 23, 2018
Property Address	40 MAIN ST, SPENCER, MA 01562-2138
Document Number	58576-224
Book / Page	58576 / 224
Instrument	27137
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22.02
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MAIN ST, SPENCER, MA 01562-2138

Mortgage

Document Number	585760226
Date	Mar 23, 2018
Instrument	58576/0226

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2048

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
2025	$39.00 (-98.86%)	$334,700 (+11.57%) Land $35,700 Building $299,000
2024	$3,432.00 (+5.24%)	$300,000 (+10.95%) Land $35,700 Building $264,300
2023	$3,261.00	$270,400 Land $35,700 Building $234,700

Assessed value is set for property tax purposes and is not a market price estimate.

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 233 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