44 Clark St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 44 Clark St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,756 sqft · built 1884
Lot Size	0.639 acres (27,816 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Aug 2026)
Tax Bill	$5,146 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U04 B:00028 L:00002`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U04 B:00028 L:00002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,756 sqft Living Area
Gross Area	2,966 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Architectural Style	Conventional
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,816 sqft (0.639 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	44 CLARK ST
City	SPENCER
State	MA
Zip	01562-2343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	28
Legal Lot Number	2
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2005
Census Tract	726200

Owner

44 Clark St is owned and occupied by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 CLARK ST, SPENCER, MA 01562-2343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 11, 2026	Deed of Trust, Mortgage · Second Mortgage (Down Payment) K GROUP INC
Aug 11, 2026	Quit Claim Deed, Transfer · FHA Mortgage K GROUP INC
Sep 28, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 4, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PRIMARY RESIDENTIAL MORTGAGE
Apr 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 6, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on File
Deed Sale	Aug 11, 2026 · Amount on File
Prior Sale	Feb 4, 2021 · Amount on File
Deed Document Number	202668999
Deed Book / Page	74011 / 318
Prior Transfer Date	Jul 15, 2026
Prior Transfer Doc	0000068999
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	Aug 11, 2026
Property Address	44 CLARK ST, SPENCER, MA 01562-2343
Document Number	0000069046
Book / Page	74012 / 219
Instrument Date	Aug 11, 2026
Instrument	202669046
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 CLARK ST, SPENCER, MA 01562-2343

Mortgage

Document Number	0000069046,
Date	Aug 11, 2026
Book Page	74012/219
Instrument	202669046

Lender

Name	K GROUP INC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Aug 11, 2026
Property Address	44 CLARK ST, SPENCER, MA 01562-2343
Document Number	0000068999
Book / Page	74011 / 318
Instrument Date	Jul 15, 2026
Instrument	202668999
Transaction Type	Transfer
Record Updated	Sep 1, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	44 CLARK ST, SPENCER, MA 01562-2343

Mortgage

Date	Aug 11, 2026

Lender

Name	K GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 28, 2021
Property Address	44 CLARK ST, SPENCER, MA 01562-2343
Document Number	66161-375
Book / Page	66161 / 375
Instrument Date	Sep 21, 2021
Instrument	135632
Transaction Type	Transfer
Record Updated	Oct 15, 2021

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	20 S HILL DR, CRANSTON, RI 02920-3719

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 4, 2021
Property Address	44 CLARK ST, SPENCER, MA 01562-2343
Document Number	64399-157
Book / Page	64399 / 157
Instrument Date	Feb 3, 2021
Instrument	17259
Transaction Type	Transfer
Record Updated	May 12, 2021

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	44 CLARK ST, SPENCER, MA 01562-2343

Mortgage

Document Number	17260
Date	Feb 4, 2021
Instrument	17260

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Apr 30, 2019
Property Address	44 CLARK ST, SPENCER, MA 01562-2343
Document Number	60342-311
Book / Page	060342 / 000311
Instrument Date	Apr 29, 2019
Instrument	38398
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$387.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WALNUT DR STERLING MA 015642699, STERLING, MA 01564-2699

August 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPENCER MA
Recording Date	Aug 6, 2018
Property Address	44 CLARK ST, SPENCER, MA 01562-2343
Document Number	59216-145
Book / Page	059216 / 000145
Instrument Date	Jul 11, 2018
Instrument	81455
Transaction Type	Foreclosure
Record Updated	Aug 28, 2018

Transaction

Amount	Amount on Record
Tax	$898.32
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 44 Clark St was $5,146, up 11,335.6% 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	$5,146.00 (+11,335.56%)	$468,700 (+21.49%) Land $57,300 Building $411,400	$423,147 (+7.72%)
2025	$45.00 (-98.93%)	$385,800 (+4.87%) Land $45,000 Building $340,800	$392,825
2024	$4,209.00 (+5.46%)	$367,900 (+11.18%) Land $45,000 Building $322,900
2023	$3,991.00	$330,900 Land $45,000 Building $285,900

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

Flood

FEMA maps place 44 Clark St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 44 Clark 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	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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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