Worcester County and Spencer Town property record for 45 High St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,225 sqft · built 1910 |
| Lot Size | 0.593 acres (25,831 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Nov 2004) |
| Tax Bill | $3,752 (2026) |
| Deeds & Mortgages | Apr 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U13 B:00070 L:00000 |
| Primary APN | SPEN M:00U13 B:00070 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,225 sqft Living Area |
| Gross Area | 3,550 sqft |
| Basement Area | 796 sqft |
| Unfinished Basement | 796 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,831 sqft (0.593 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 HIGH ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-1619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 70 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 726200 |
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.
45 High St is owned and occupied by an individual who bought it in November 2004.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2004 · Amount on File |
| Deed Sale | Nov 19, 2004 · Amount on File |
| Prior Sale | Jul 28, 1994 · Amount on File |
| Deed Document Number | 2004211139 |
| Deed Book / Page | 35115 / 359 |
| Transfer Doc | 1639000304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 45 HIGH ST, SPENCER, MA 01562-1619 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067421-149 |
|---|---|
| Date | Apr 12, 2022 |
| Book Page | 67421/149 |
| Instrument | 40183 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2037 |
The 2026 property tax bill for 45 High St was $3,752, up 11,625% from the year before.
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,752.00 (+11,625%) | $341,700 (+22.43%) Land $56,600 Building $285,100 | $365,762 (+8.79%) |
| 2025 | $32.00 (-98.95%) | $279,100 (+4.3%) Land $44,400 Building $234,700 | $336,205 |
| 2024 | $3,061.00 (+5.04%) | $267,600 (+10.76%) Land $44,400 Building $223,200 | |
| 2023 | $2,914.00 | $241,600 Land $44,400 Building $197,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 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 risk around 45 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.
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 |
| 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.
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 |
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