45 Ash St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 45 Ash St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,853 sqft · built 1780
Lot Size	2.62 acres (114,450 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Mar 2020)
Tax Bill	$4,384 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U04 B:00011 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U04 B:00011 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,853 sqft Living Area
Gross Area	3,438 sqft
Basement Area	464 sqft
Unfinished Basement	464 sqft

Exterior

Year Built	Built 1780
Effective Year Built	Effective 1780
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	114,450 sqft (2.62 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 ASH ST
City	SPENCER
State	MA
Zip	01562-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	11
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4022
Census Tract	726200

Owner

Source: Worcester County and Spencer Town records, as of October 20, 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	45 ASH ST, SPENCER, MA 01562-2315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD
Mar 7, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2020 · Amount on Record
Deed Sale	Mar 13, 2020 · Amount on Record
Prior Sale	Mar 7, 2018
Deed Document Number	202026927
Deed Book / Page	62043 / 312
Prior Transfer Date	Mar 12, 2020
Prior Transfer Doc	62043-312
Record Updated	Oct 29, 2026

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Mar 13, 2020
Property Address	45 ASH ST, SPENCER, MA 01562-2315
Document Number	62043-312
Book / Page	62043 / 312
Instrument Date	Mar 12, 2020
Instrument	26927
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	45 ASH ST, SPENCER, MA 01562-2315

Mortgage

Document Number	26928
Date	Mar 13, 2020
Instrument	26928

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Mar 7, 2018
Property Address	45 ASH ST, SPENCER, MA 01562-2315
Document Number	58517-179
Book / Page	058517 / 000179
Instrument Date	Feb 21, 2018
Instrument	21797
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	45 ASH ST SPENCER MA 015622315, SPENCER, MA 01562-2315

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	$4,384.00 (+11,141.03%)	$399,300 (+19.48%) Land $69,200 Building $330,100	$395,460 (+11.12%)
2025	$39.00 (-98.93%)	$334,200 (+4.76%) Land $55,200 Building $279,000	$355,870
2024	$3,649.00 (+5.07%)	$319,000 (+10.76%) Land $55,200 Building $263,800
2023	$3,473.00	$288,000 Land $55,200 Building $232,800

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

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

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 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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