43 High St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 43 High St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,549 sqft · built 1940
Lot Size	0.592 acres (25,773 sqft)
Owner	Individual Name on File
Last Sale	$153,500 (Mar 2013)
Tax Bill	$3,620 (2026)
Deeds & Mortgages	Apr 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U13 B:00069 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U13 B:00069 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,549 sqft Living Area
Gross Area	3,530 sqft
Basement Area	1,014 sqft
Unfinished Basement	1,014 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,773 sqft (0.592 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	43 HIGH ST
City	SPENCER
State	MA
Zip	01562-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	69
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1006
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

43 High St is owned and occupied by an individual who bought it in March 2013.

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

Owner of Record	Individual Name on File
Mailing Address	43 HIGH ST, SPENCER, MA 01562-1619
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2013 · Amount on File
Deed Sale	Mar 1, 2013 · Amount on File
Prior Sale	Oct 11, 2012 · Amount on File
Deed Book / Page	50522 / 96
Transfer Doc	0050522-96
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	43 HIGH ST, SPENCER, MA 01562-1619
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067406-330
Date	Apr 8, 2022
Book Page	67406/330
Instrument	39135

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 43 High St was $3,620, up 11,577.4% 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	$3,620.00 (+11,577.42%)	$329,700 (+22.47%) Land $56,600 Building $273,100	$351,030 (+21.03%)
2025	$31.00 (-98.95%)	$269,200 (+4.3%) Land $44,300 Building $224,900	$290,035
2024	$2,953.00 (+4.94%)	$258,100 (+10.63%) Land $44,300 Building $213,800
2023	$2,814.00	$233,300 Land $44,300 Building $189,000

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

Flood

FEMA maps place 43 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

Wildfire risk around 43 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.

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 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