516 Spencer St, Fall River, MA 02721 Property Records

Bristol County and Fall River City property record for 516 Spencer St, Fall River, MA 02721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,451 sqft · built 1975
Lot Size	0.321 acres (13,978 sqft)
Owner	2 Individual Names on File
Last Sale	$137,000 (Sep 1993)
Tax Bill	$4,256 (2025)
Deeds & Mortgages	May 2022 Transfer Apr 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`FALL M:0D-07 B:0000 L:0087`

Property Details

APN / Parcel Number

Primary APN	`FALL M:0D-07 B:0000 L:0087`
Alternative APN	`M:0D=07 B:0000 L:0087`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,451 sqft Living Area
Gross Area	3,797 sqft
1st Floor Area	2,040 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Wood Siding
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	Oil

Location & Zoning

Street Address	516 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	87
Jurisdiction	FALL RIVER MA
Township / Civil Division	FALL RIVER
Census Block Group	3
Census Block	3015
Census Tract	640800

Owner

516 Spencer St is owned and occupied by two individuals who acquired it in April 2022.

Source: Bristol County and Fall River City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	516 SPENCER ST, FALL RIVER, MA 02721-4514
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
May 2, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Mar 22, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 1993 · Amount on File
Deed Sale	Sep 3, 1993 · Amount on File
Last Transfer Date	Apr 27, 2022
Transfer Doc	0000053614
Record Updated	Sep 20, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	May 2, 2022
Property Address	516 SPENCER ST, FALL RIVER, MA 02721-4514
Document Number	0000053614
Instrument Date	Apr 27, 2022
Instrument	53614
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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	73 MEETING HOUSE LN, LITTLE COMPTON, RI 02837-1212

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	516 SPENCER ST, FALL RIVER, MA 02721-4514
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053530
Date	Apr 1, 2022
Instrument	53530

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	Mar 22, 2022
Property Address	516 SPENCER ST, FALL RIVER, MA 02721-4514
Document Number	0000053491
Instrument Date	Mar 22, 2022
Instrument	53491
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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	516 SPENCER ST, FALL RIVER, MA 02721-4514

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	Nov 16, 2020
Property Address	516 SPENCER ST, FALL RIVER, MA 02721-4514
Document Number	0000052035
Instrument Date	Nov 5, 2020
Instrument	52035
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 MEETING HOUSE LN LITTLE COMPTON RI 028371212, LITTLE COMPTON, RI 02837-1212

Tax Assessment & Valuation

The 2025 property tax bill for 516 Spencer St was $4,256, up 5.5% 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
2025	$4,256.00 (+5.53%)	$371,700 (+5.9%) Land $138,800 Building $232,900	$522,120 (+15.8%)
2024	$4,033.00 (-3.88%)	$351,000 (+2.63%) Land $133,600 Building $217,400	$450,870
2023	$4,196.00	$342,000 Land $127,100 Building $214,900

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

Flood

FEMA maps place 516 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 516 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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