Norfolk County and Millis Town property record for 46 Spencer St, Millis, MA 02054
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,521 sqft · built 1992 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Mar 2005) |
| Tax Bill | $8,699 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | MILL M:031 B:0000078 |
| Primary APN | MILL M:031 B:0000078 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,521 sqft Living Area |
| Gross Area | 2,998 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 46 SPENCER ST |
|---|---|
| City | MILLIS |
| State | MA |
| Zip | 02054-1436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 78 |
| Jurisdiction | MILLIS MA |
| Township / Civil Division | MILLIS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 407102 |
46 Spencer St is owned and occupied by two individuals who bought it in March 2005.
Source: Norfolk County and Millis Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 SPENCER ST, MILLIS, MA 02054-1436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2017 | Deed of Trust, Mortgage WELLS FARGO BANK NA |
| Oct 9, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2005 · Amount on File |
| Deed Sale | Mar 18, 2005 · Amount on File |
| Prior Sale | Aug 18, 2003 · Amount on File |
| Deed Document Number | 2005143402 |
| Deed Book / Page | 22192 / 120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 46 SPENCER ST, MILLIS, MA 02054-1436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34848-556 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 34848/556 |
| Instrument | 4544 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 46 SPENCER ST, MILLIS, MA 02054-1436 |
| Document Number | 37356-18 |
| Instrument Date | Oct 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46 SPENCER ST MILLIS MA 020541436, MILLIS, MA 02054-1436 |
| Document Number | 37356-18 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 037356/000018 |
| Instrument | 107033 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 18, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 46 Spencer St was $8,699, up 6.9% from the year before.
Source: Norfolk County and Millis Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Millis Town |
| Unified School District | Millis School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,699.00 (+6.95%) | $530,400 (+7.06%) Land $235,300 Building $295,100 | $599,925 (-4.11%) |
| 2024 | $8,134.00 (+4.14%) | $495,400 (+10.93%) Land $217,200 Building $278,200 | $625,670 |
| 2023 | $7,811.00 | $446,600 Land $173,100 Building $273,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Spencer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · 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 | 8 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2023 · river or lake flooding |
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 risk around 46 Spencer 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 | Direct burnable vegetation |
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 | MILLIS WATER DEPT serves 9,055 people · EPA ID MA2187000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 ppb (2025) 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 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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