425 Main St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 425 Main St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,413 sqft · built 1940
Lot Size	1.12 acres (48,920 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Jul 2023)
Tax Bill	$3,753 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R35 B:00048 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R35 B:00048 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,413 sqft Living Area
Gross Area	3,786 sqft
Basement Area	1,413 sqft
Unfinished Basement	1,413 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,920 sqft (1.12 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	425 MAIN ST
City	SPENCER
State	MA
Zip	01562-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	48
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1030
Census Tract	726100

Owner

425 Main St is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	425 MAIN ST, SPENCER, MA 01562-1905
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 9, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Dec 11, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2023 · Amount on File
Deed Sale	Jul 27, 2023 · Amount on File
Prior Sale	Sep 9, 2022 · Amount on File
Deed Book / Page	69434 / 137
Prior Transfer Date	Jul 26, 2023
Prior Transfer Doc	069434-137
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jul 27, 2023
Property Address	425 MAIN ST, SPENCER, MA 01562-1905
Document Number	069434-137
Book / Page	69434 / 137
Instrument Date	Jul 26, 2023
Instrument	60491
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	425 MAIN ST, SPENCER, MA 01562-1905

Mortgage

Document Number	0000060492
Date	Jul 27, 2023
Instrument	60492

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 9, 2022
Property Address	425 MAIN ST, SPENCER, MA 01562-1905
Document Number	068194-248
Book / Page	68194 / 248
Instrument Date	Sep 9, 2022
Instrument	99638
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	6 DEEPWOOD PARK, W BRATTLEBORO, VT 05301-9775

Mortgage

Document Number	0000099639
Date	Sep 9, 2022
Instrument	99639

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Dec 11, 2018
Property Address	425 MAIN ST, SPENCER, MA 01562-1905
Document Number	59798-308
Book / Page	059798 / 000308
Instrument Date	Nov 15, 2018
Instrument	130454
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount on Record
Tax	$413.48
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 STAFFORD ST WORCESTER MA 016031457, WORCESTER, MA 01603-1457

Tax Assessment & Valuation

The 2026 property tax bill for 425 Main St was $3,753, up 9,776.3% from the year before.

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	$3,753.00 (+9,776.32%)	$341,800 (+4.98%) Land $63,100 Building $278,700	$362,913 (-7.82%)
2025	$38.00 (-98.91%)	$325,600 (+7.11%) Land $49,500 Building $276,100	$393,680
2024	$3,478.00 (+22.68%)	$304,000 (+29.31%) Land $49,500 Building $254,500
2023	$2,835.00	$235,100 Land $49,500 Building $185,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 425 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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

Wildfire risk around 425 Main 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	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

Nearby Properties on Main St

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