494 Spencer St, Fall River, MA 02721 Property Records

Bristol County and Fall River City property record for 494 Spencer St, Fall River, MA 02721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,950 sqft · built 1976
Lot Size	0.321 acres (13,978 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Nov 2012)
Tax Bill	$3,707 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`FALL M:0D-07 B:0000 L:0085`

Property Details

APN / Parcel Number

Primary APN	`FALL M:0D-07 B:0000 L:0085`
Alternative APN	`M:0D=07 B:0000 L:0085`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,950 sqft Living Area
Gross Area	3,054 sqft
1st Floor Area	1,092 sqft
Basement Area	1,040 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,978 sqft (0.321 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	494 SPENCER ST
City	FALL RIVER
State	MA
Zip	02721-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S
Legal Lot Number	85
Jurisdiction	FALL RIVER MA
Township / Civil Division	FALL RIVER
Census Block Group	3
Census Block	3015
Census Tract	640800

Owner

494 Spencer St is owned and occupied by an individual who acquired it in January 2021.

Source: Bristol County and Fall River City 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	494 SPENCER ST, FALL RIVER, MA 02721-4514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAYCOAST MORTGAGE COMPANY LLC
Sep 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BAYCOAST MORTGAGE COMPANY
Jun 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BAYCOAST BANK
May 2, 2025	Deed of Trust, Mortgage FALL RIVER MUNICIPAL EMPLS CREDIT UNION
Jan 29, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance BAYCOAST MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2012 · Amount on File
Deed Sale	Nov 9, 2012 · Amount on File
Prior Sale	Apr 23, 1999 · Amount on File
Deed Book / Page	40 / 233
Last Transfer Date	Jan 21, 2021
Transfer Doc	0000052221
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Recording Date	Jul 3, 2026
Property Address	494 SPENCER ST, FALL RIVER, MA 02721-4514
Document Number	0000056752
Instrument Date	Jun 29, 2026
Instrument	202656752
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 SPENCER ST, FALL RIVER, MA 02721-4514

Mortgage

Document Number	0000056752,
Date	Jul 3, 2026
Instrument	202656752

Lender

Name	BAYCOAST MORTGAGE COMPANY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	494 SPENCER ST, FALL RIVER, MA 02721-4514
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054712
Date	Sep 6, 2023
Instrument	54712

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	494 SPENCER ST, FALL RIVER, MA 02721-4514
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052668
Date	Jun 24, 2021
Instrument	52668

Lender

Name	BAYCOAST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2041

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	494 SPENCER ST, FALL RIVER, MA 02721-4514
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055913
Date	May 2, 2025
Instrument	55913

Lender

Name	FALL RIVER MUNICIPAL EMPLS CREDIT UNION

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	Jan 29, 2021
Property Address	494 SPENCER ST, FALL RIVER, MA 02721-4514
Document Number	0000052221
Instrument Date	Jan 21, 2021
Instrument	52221
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	494 SPENCER ST, FALL RIVER, MA 02721-4514

Mortgage

Document Number	0000052222
Date	Jan 29, 2021
Instrument	52222

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 494 Spencer St was $3,707, up 2.5% from the year before.

Source: Bristol County and Fall River City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Bristol County
Municipality	Fall River City
Unified School District	Fall River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,707.00 (+2.54%)	$322,900 (+2.28%) Land $141,500 Building $181,400	$418,475 (+10.35%)
2025	$3,615.00 (+6.86%)	$315,700 (+7.24%) Land $138,800 Building $176,900	$379,240 (-4.61%)
2024	$3,383.00 (-2.62%)	$294,400 (+3.99%) Land $133,600 Building $160,800	$397,575
2023	$3,474.00	$283,100 Land $127,100 Building $156,000

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

Flood

FEMA maps place 494 Spencer St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 22, 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	3 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

Wildfire risk around 494 Spencer St is low, with less than 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FALL RIVER WATER DEPARTMENT serves 94,000 people · EPA ID MA4095000
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	12 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Cox Communications, T-Mobile.

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