49 Ash St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 49 Ash St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,991 sqft · built 1955
Lot Size	0.543 acres (23,668 sqft)
Owner	Individual Name on File
Last Sale	$116,000 (Jan 2017)
Tax Bill	$3,958 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U04 B:00014 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U04 B:00014 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,991 sqft Living Area
Gross Area	3,574 sqft
Basement Area	755 sqft
Unfinished Basement	755 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,668 sqft (0.543 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	49 ASH ST
City	SPENCER
State	MA
Zip	01562-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	14
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4022
Census Tract	726200

Owner

49 Ash St is owned and occupied by an individual who bought it in January 2017.

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	49 ASH ST, SPENCER, MA 01562-2315
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · FHA Mortgage LADERA LENDING
Apr 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Jan 19, 2017	Quit Claim Deed, Transfer
Oct 12, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2017 · Amount on File
Deed Sale	Jan 19, 2017 · Amount on File
Prior Sale	Apr 5, 2013
Deed Document Number	20176408
Deed Book / Page	56629 / 56
Prior Transfer Date	Jan 11, 2017
Prior Transfer Doc	069750-244
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	Sep 10, 2026
Property Address	49 ASH ST, SPENCER, MA 01562-2315
Document Number	0000079098
Book / Page	74148 / 270
Instrument Date	Aug 31, 2026
Instrument	202679098
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 ASH ST, SPENCER, MA 01562-2315

Mortgage

Document Number	0000079098,
Date	Sep 10, 2026
Book Page	74148/270
Instrument	202679098

Lender

Name	LADERA LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	49 ASH ST, SPENCER, MA 01562-2315
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069009-162
Date	Apr 11, 2023
Book Page	69009/162
Instrument	27663

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2038

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jan 19, 2017
Property Address	49 ASH ST, SPENCER, MA 01562-2315
Document Number	56629-56
Book / Page	056629 / 000056
Instrument Date	Jan 11, 2017
Instrument	6408
Transaction Type	Transfer
Record Updated	Feb 7, 2017

Transaction

Amount	Amount on Record
Tax	$528.96
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 ASH ST SPENCER MA 015622315, SPENCER, MA 01562-2315

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Oct 12, 2023
Property Address	49 ASH ST, SPENCER, MA 01562-2315
Document Number	069750-244
Book / Page	69750 / 244
Instrument Date	Jan 11, 2017
Instrument	85016
Transaction Type	Transfer
Record Updated	Oct 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 ASH ST, SPENCER, MA 01562-2315

Tax Assessment & Valuation

The 2026 property tax bill for 49 Ash St was $3,958, up 10,315.8% from the year before.

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	$3,958.00 (+10,315.79%)	$360,500 (+8.91%) Land $55,500 Building $305,000	$388,346 (+2.84%)
2025	$38.00 (-98.93%)	$331,000 (+6.74%) Land $43,500 Building $287,500	$377,625
2024	$3,548.00 (+6.16%)	$310,100 (+11.91%) Land $43,500 Building $266,600
2023	$3,342.00	$277,100 Land $43,500 Building $233,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 49 Ash 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

Wildfire risk around 49 Ash 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.

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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