Worcester County and Spencer Town property record for 47 Temple St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 803 sqft · built 1887 |
| Lot Size | 0.265 acres (11,523 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Sep 2024) |
| Tax Bill | $3,364 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage Mar 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U02 B:00086 L:00000 |
| Primary APN | SPEN M:00U02 B:00086 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 803 sqft Living Area |
| Gross Area | 1,419 sqft |
| Basement Area | 192 sqft |
| Unfinished Basement | 192 sqft |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 1887 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,523 sqft (0.265 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 47 TEMPLE ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Subdivision | ROY BARIBEAULT |
| Legal Block | 86 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 726200 |
47 Temple St is owned and occupied by an individual who bought it in September 2024.
Source: Worcester County and Spencer Town records, as of October 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 | Individual Name on File |
|---|---|
| Mailing Address | 47 TEMPLE ST, SPENCER, MA 01562-2555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) TD BANK NA |
| Mar 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Sep 10, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage M & T BANK |
| Apr 19, 2018 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2024 · Amount on File |
| Deed Sale | Sep 10, 2024 · Amount on File |
| Prior Sale | Jun 3, 2014 · Amount on File |
| Deed Book / Page | 71006 / 108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 47 TEMPLE ST, SPENCER, MA 01562-2555 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 068141-289 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 68141/289 |
| Instrument | 95446 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 47 TEMPLE ST, SPENCER, MA 01562-2555 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064646-195 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 64646/195 |
| Instrument | 32985 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Sep 10, 2024 |
| Property Address | 47 TEMPLE ST, SPENCER, MA 01562-2555 |
| Document Number | 071006-108 |
| Book / Page | 71006 / 108 |
| Instrument Date | Sep 10, 2024 |
| Instrument | 73419 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 47 TEMPLE ST, SPENCER, MA 01562-2555 |
| Document Number | 0000073420 |
|---|---|
| Date | Sep 10, 2024 |
| Instrument | 73420 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 071006-136 |
|---|---|
| Date | Sep 10, 2024 |
| Book Page | 71006/136 |
| Instrument | 73421 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 47 TEMPLE ST, SPENCER, MA 01562-2555 |
| Document Number | 58717-271 |
| Instrument Date | Apr 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2018 |
| Name | Verified Name |
|---|---|
| Address | 47 TEMPLE ST SPENCER MA 015622555, SPENCER, MA 01562-2555 |
| Document Number | 58717-271 |
|---|---|
| Date | Apr 26, 2018 |
| Book Page | 058717/000271 |
| Instrument | 39305 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 25, 2048 |
The 2026 property tax bill for 47 Temple St was $3,364, up 16,72% 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 | $3,364.00 (+16,72%) | $306,400 (+78.04%) Land $47,900 Building $258,500 | $286,719 (-0.06%) |
| 2025 | $20.00 (-98.94%) | $172,100 (+4.24%) Land $37,500 Building $134,600 | $286,900 |
| 2024 | $1,889.00 (+4.31%) | $165,100 (+9.92%) Land $37,500 Building $127,600 | |
| 2023 | $1,811.00 | $150,200 Land $37,500 Building $112,700 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 47 Temple 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 risk around 47 Temple 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.
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 233 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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