5 Bemis St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 5 Bemis St, Spencer, MA 01562

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,108 sqft · built 1900
Lot Size	0.308 acres (13,398 sqft)
Owner	Individual Name on Record
Last Sale	$257,000 (Nov 2020)
Tax Bill	$3,745 (2026)
Deeds & Mortgages	May 2026 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U02 B:00034 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U02 B:00034 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,108 sqft Living Area
Gross Area	4,638 sqft
Basement Area	958 sqft
Unfinished Basement	958 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,398 sqft (0.308 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5 BEMIS ST
City	SPENCER
State	MA
Zip	01562-2501
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	VR
Legal Block	34
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3016
Census Tract	726200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	5 BEMIS ST, SPENCER, MA 01562-2501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Balloon Mortgage METRO CREDIT UNION
Nov 23, 2020	Quit Claim Deed, Transfer · FHA Mortgage METRO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2020 · Amount on Record
Deed Sale	Nov 23, 2020 · Amount on Record
Prior Sale	May 10, 2016 · Amount on Record
Deed Document Number	2020143756
Deed Book / Page	63813 / 320
Prior Transfer Date	Oct 14, 2020
Prior Transfer Doc	63813-320
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	May 22, 2026
Property Address	5 BEMIS ST, SPENCER, MA 01562-2501
Document Number	0073616-31
Book / Page	73616 / 31
Instrument Date	May 18, 2026
Instrument	202640940
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BEMIS ST, SPENCER, MA 01562-2501

Mortgage

Document Number	0000040940,
Date	May 22, 2026
Book Page	73616/31
Instrument	202640940

Lender

Name	METRO CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.3%
Max Rate	-1%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Nov 23, 2020
Property Address	5 BEMIS ST, SPENCER, MA 01562-2501
Document Number	63813-320
Book / Page	63813 / 320
Instrument Date	Oct 14, 2020
Instrument	143756
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 BEMIS ST, SPENCER, MA 01562-2501

Mortgage

Document Number	143757
Date	Nov 23, 2020
Instrument	143757

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	Assessed Market Value
2026	$3,745.00 (+10,302.78%)	$341,100 (+9.36%) Land $48,900 Building $292,200	$391,437
2025	$36.00 (-98.92%)	$311,900 (+7.33%) Land $42,500 Building $269,400
2024	$3,324.00 (+4.43%)	$290,600 (+10.12%) Land $42,500 Building $248,100
2023	$3,183.00	$263,900 Land $42,500 Building $221,400

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

Flood

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

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 180 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

Cell Coverage

5G (outdoors only) and 4G LTE

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