46 Cherry St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 46 Cherry St, Spencer, MA 01562

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 4,122 sqft · built 1860
Lot Size	0.539 acres (23,470 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Aug 1987)
Tax Bill	$5,508 (2026)
Deeds & Mortgages	Jun 2022 Refinance Jul 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U07 B:00126 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U07 B:00126 L:00000`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	17 Rooms
Units	4 Units
Stories	3 Stories
Building Area	4,122 sqft Living Area
Gross Area	6,215 sqft
Basement Area	1,517 sqft
Unfinished Basement	1,517 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	High Rise
Exterior Material	Wood Siding
Roof Type	Mansard
Roof Material	Tar & Gravel
Lot Area	23,470 sqft (0.539 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 CHERRY ST
City	SPENCER
State	MA
Zip	01562-2255
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	VR
Legal Block	126
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4024
Census Tract	726200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Main Street-Cherry Street Historic District listed 1996 · 16 contributing resources · NRIS 96000826

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Worcester County and Spencer Town records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	46 CHERRY ST, SPENCER, MA 01562-2255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Jul 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 1987 · Amount on Record
Deed Sale	Aug 31, 1987 · Amount on Record
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	46 CHERRY ST, SPENCER, MA 01562-2255
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067833-161
Date	Jun 30, 2022
Book Page	67833/161
Instrument	71293

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2032

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	46 CHERRY ST, SPENCER, MA 01562-2255
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065546-22
Date	Jul 2, 2021
Book Page	65546/22
Instrument	93407

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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
2026	$5,508.00 (+0.49%)	$501,600 (+7.43%) Land $55,400 Building $446,200
2025	$5,481.00 (+9.86%)	$466,900 (+7.06%) Land $48,300 Building $418,600
2024	$4,989.00 (+5.5%)	$436,100 (+11.22%) Land $48,300 Building $387,800
2023	$4,729.00	$392,100 Land $48,300 Building $343,800

Assessed value is set for property tax purposes and is not a market price estimate.

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

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.

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