Worcester County and Spencer Town property record for 53 Temple St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 688 sqft · built 1907 |
| Lot Size | 0.624 acres (27,184 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Oct 2024) |
| Tax Bill | $3,029 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U02 B:00089 L:00000 |
| Primary APN | SPEN M:00U02 B:00089 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 688 sqft Living Area |
| Gross Area | 1,426 sqft |
| Basement Area | 468 sqft |
| Unfinished Basement | 468 sqft |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,184 sqft (0.624 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 53 TEMPLE ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 89 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 726200 |
53 Temple St is owned and occupied by an individual who bought it in October 2024.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 53 TEMPLE ST, SPENCER, MA 01562-2555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Oct 10, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Sep 18, 2019 | Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PTRS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2024 · Amount on File |
| Deed Sale | Oct 10, 2024 · Amount on File |
| Prior Sale | Sep 18, 2019 · Amount on File |
| Deed Book / Page | 71139 / 351 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 53 TEMPLE ST, SPENCER, MA 01562-2555 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 073028-282 |
|---|---|
| Date | Dec 30, 2025 |
| Book Page | 73028/282 |
| Instrument | 113636 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Oct 10, 2024 |
| Property Address | 53 TEMPLE ST, SPENCER, MA 01562-2555 |
| Document Number | 071139-351 |
| Book / Page | 71139 / 351 |
| Instrument Date | Oct 10, 2024 |
| Instrument | 83312 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 53 TEMPLE ST, SPENCER, MA 01562-2555 |
| Document Number | 0000083313 |
|---|---|
| Date | Oct 10, 2024 |
| Instrument | 83313 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 071139-371 |
|---|---|
| Date | Oct 10, 2024 |
| Book Page | 71139/371 |
| Instrument | 83314 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Sep 18, 2019 |
| Property Address | 53 TEMPLE ST, SPENCER, MA 01562-2555 |
| Document Number | 61075-144 |
| Book / Page | 061075 / 000144 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 96452 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $665.76 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 53 TEMPLE ST SPENCER MA 015622555, SPENCER, MA 01562-2555 |
| Document Number | 61075-147 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 061075/000147 |
| Instrument | 96453 |
| Name | MORTGAGE EQUITY PTRS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2049 |
The 2026 property tax bill for 53 Temple St was $3,029, up 13,668.2% 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 | $3,029.00 (+13,668.18%) | $275,900 (+42.14%) Land $57,100 Building $218,800 | $311,003 (+17.76%) |
| 2025 | $22.00 (-98.97%) | $194,100 (+3.96%) Land $44,800 Building $149,300 | $264,100 |
| 2024 | $2,136.00 (+4.14%) | $186,700 (+9.76%) Land $44,800 Building $141,900 | |
| 2023 | $2,051.00 | $170,100 Land $44,800 Building $125,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 53 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 53 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 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 |
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