423 Main St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 423 Main St, Spencer, MA 01562

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3 bd · 2 ba · 1,608 sqft · built 1922
Lot Size	0.872 acres (38,000 sqft)
Owner	Company Name on File
Last Sale	$315,000 (Dec 2020)
Tax Bill	$2,665 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R35 B:00047 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R35 B:00047 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,608 sqft Total Area
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,000 sqft (0.872 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	423 MAIN ST
City	SPENCER
State	MA
Zip	01562-1905
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	C
Legal Block	47
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1030
Census Tract	726100

Owner

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	137 MARSHALL ST, LEICESTER, MA 01524-1009
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Deed of Trust, Mortgage · Commercial Mortgage CORNERSTONE BANK
Jun 29, 2021	Quit Claim Deed, Transfer Quitclaim
Dec 2, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2020 · Amount on File
Deed Sale	Dec 2, 2020 · Amount on File
Prior Sale	Jan 18, 1996 · Amount on File
Last Transfer Date	Jun 25, 2021
Transfer Doc	065507-241
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	423 MAIN ST, SPENCER, MA 01562-1905
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068394-312
Date	Oct 25, 2022
Book Page	68394/312
Instrument	115262

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jun 29, 2021
Property Address	423 MAIN ST, SPENCER, MA 01562-1905
Document Number	065507-241
Book / Page	65507 / 241
Instrument Date	Jun 25, 2021
Instrument	90896
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 MARSHALL ST, LEICESTER, MA 01524-1009

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Dec 2, 2020
Property Address	423 MAIN ST, SPENCER, MA 01562-1905
Document Number	063880-144
Book / Page	63880 / 144
Instrument Date	Nov 23, 2020
Instrument	148097
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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

Mortgage

Document Number	0000148098
Date	Dec 2, 2020
Instrument	148098

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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	$2,665.00 (+5,570.21%)	$242,710 (-40.44%) Land $18,240 Building $224,470	$347,115 (-13.52%)
2025	$47.00 (-98.92%)	$407,500 (+7.1%) Land $47,500 Building $360,000	$401,375
2024	$4,353.00 (+6.02%)	$380,500 (+11.75%) Land $47,500 Building $333,000
2023	$4,106.00	$340,500 Land $47,500 Building $293,000

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 · 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	2 in force
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1993 · rainfall accumulation

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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