Worcester County and Spencer Town property record for 5 Watson St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,034 sqft · built 1974 |
| Lot Size | 0.241 acres (10,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (May 2025) |
| Tax Bill | $3,890 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage May 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U06 B:00042 L:00000 |
| Primary APN | SPEN M:00U06 B:00042 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,034 sqft Living Area |
| Gross Area | 2,114 sqft |
| Basement Area | 650 sqft |
| Unfinished Basement | 650 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,500 sqft (0.241 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5 WATSON ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 42 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 726200 |
5 Watson St is owned and occupied by an individual who bought it in May 2025.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5 WATSON ST, SPENCER, MA 01562-2243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 1, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WEBSTER FIVE CENTS SAVINGS BANK |
| Aug 11, 2017 | Deed of Trust, Mortgage · FHA Mortgage OCWEN FIN SVC INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2025 · Amount on File |
| Deed Sale | May 1, 2025 · Amount on File |
| Prior Sale | Jan 2, 2025 · Amount on File |
| Deed Book / Page | 71930 / 176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 5 WATSON ST, SPENCER, MA 01562-2243 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 064247-337 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 64247/337 |
| Instrument | 7397 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | May 1, 2025 |
| Property Address | 5 WATSON ST, SPENCER, MA 01562-2243 |
| Document Number | 071930-176 |
| Book / Page | 71930 / 176 |
| Instrument Date | May 1, 2025 |
| Instrument | 34038 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| 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 | 5 WATSON ST, SPENCER, MA 01562-2243 |
| Document Number | 0000034039 |
|---|---|
| Date | May 1, 2025 |
| Instrument | 34039 |
| Name | WEBSTER FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 5 WATSON ST, SPENCER, MA 01562-2243 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57567-356 |
|---|---|
| Date | Aug 11, 2017 |
| Book Page | 57567/356 |
| Instrument | 87410 |
| Name | OCWEN FIN SVC INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
The 2026 property tax bill for 5 Watson St was $3,890, up 14.3% 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 | $3,890.00 (+14.34%) | $354,300 (+22.26%) Land $47,400 Building $306,900 | $377,293 (+51.7%) |
| 2025 | $3,402.00 (+7.86%) | $289,800 (+5.11%) Land $37,100 Building $252,700 | $248,710 |
| 2024 | $3,154.00 (+6.3%) | $275,700 (+12.07%) Land $37,100 Building $238,600 | |
| 2023 | $2,967.00 | $246,000 Land $37,100 Building $208,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Watson 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 risk around 5 Watson 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 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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