Worcester County and Spencer Town property record for 50 Temple St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,120 sqft · built 1984 |
| Lot Size | 0.493 acres (21,493 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,321 (2026) |
| Deeds & Mortgages | May 2026 Mortgage May 2023 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U02 B:00070 L:00001 |
| Primary APN | SPEN M:00U02 B:00070 L:00001 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Gross Area | 2,504 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,493 sqft (0.493 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 50 TEMPLE ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Subdivision | SHOW PROPERTY SPENCER |
| Legal Block | 70 |
| Legal Lot Number | 1 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 726200 |
50 Temple St is owned and occupied by two individuals.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 50 TEMPLE ST, SPENCER, MA 01562-2552 |
| 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.
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE BANK |
| May 3, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Jun 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| May 30, 2017 | Deed of Trust, Mortgage SPENCER SAVINGS BANK SLA |
| Mar 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | May 5, 2026 |
| Property Address | 50 TEMPLE ST, SPENCER, MA 01562-2552 |
| Document Number | 073534-132 |
| Book / Page | 73534 / 132 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202634973 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 50 TEMPLE ST, SPENCER, MA 01562-2552 |
| Document Number | 0000034973, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 73534/132 |
| Instrument | 202634973 |
| Name | CORNERSTONE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 50 TEMPLE ST, SPENCER, MA 01562-2552 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0069092-38 |
|---|---|
| Date | May 3, 2023 |
| Book Page | 69092/38 |
| Instrument | 33984 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 50 TEMPLE ST, SPENCER, MA 01562-2552 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 065384-382 |
|---|---|
| Date | Jun 15, 2021 |
| Book Page | 65384/382 |
| Instrument | 82370 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 50 TEMPLE ST, SPENCER, MA 01562-2552 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57179-229 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 57179/229 |
| Instrument | 54381 |
| Name | SPENCER SAVINGS BANK SLA |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 50 TEMPLE ST, SPENCER, MA 01562-2552 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62017-44 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 62017/44 |
| Instrument | 25049 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
The 2026 property tax bill for 50 Temple St was $3,321, up 9,667.6% 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 | $3,321.00 (+9,667.65%) | $302,500 (+2.82%) Land $54,400 Building $248,100 | $307,013 (+10.37%) |
| 2025 | $34.00 (-98.92%) | $294,200 (+6.79%) Land $42,600 Building $251,600 | $278,160 |
| 2024 | $3,152.00 (+7.43%) | $275,500 (+13.23%) Land $42,600 Building $232,900 | |
| 2023 | $2,934.00 | $243,300 Land $42,600 Building $200,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 50 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 50 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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