54 Cherry St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 54 Cherry St, Spencer, MA 01562 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,323 sqft · built 1890
Lot Size	0.347 acres (15,101 sqft)
Owner	2 Individual Names on File
Last Sale	$327,200 (Dec 2021)
Tax Bill	$4,784 (2025)
Deeds & Mortgages	Aug 2022 Transfer Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U07 B:00122 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U07 B:00122 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Stories	3 Stories
Building Area	3,323 sqft Living Area
Gross Area	5,096 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,101 sqft (0.347 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	54 CHERRY ST
City	SPENCER
State	MA
Zip	01562-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	122
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4024
Census Tract	726200

Owner

Source: Worcester County and Spencer Town records · APN SPEN M:00U07 B:00122 L:00000

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	54 CHERRY ST, SPENCER, MA 01562-2207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 20, 2021	Quit Claim Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	Jul 20, 2006 · Amount on Record
Deed Document Number	2021177552
Deed Book / Page	66787 / 112
Last Transfer Date	Aug 06, 2022
Transfer Doc	068051-251
Record Updated	Jun 08, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Aug 10, 2022
Property Address	54 CHERRY ST, SPENCER, MA 01562-2207
Document Number	068051-251
Book / Page	68051 / 251
Instrument Date	Aug 06, 2022
Instrument	88308
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
Relationship	Joint Venture
Address	54 CHERRY ST, SPENCER, MA 01562-2207

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Dec 20, 2021
Property Address	54 CHERRY ST, SPENCER, MA 01562-2207
Document Number	066787-112
Book / Page	66787 / 112
Instrument Date	Dec 20, 2021
Instrument	177552
Transaction Type	Transfer
Record Updated	Jan 07, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	54 CHERRY ST, SPENCER, MA 01562-2207

Mortgage

Document Number	0000177553
Date	Dec 20, 2021
Instrument	177553

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	54 CHERRY ST, SPENCER, MA 01562-2207
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65244-372
Date	May 25, 2021
Book Page	65244/372
Instrument	72365

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2041

Tax Assessment & Valuation

Source: Worcester County and Spencer Town records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,784.00 (+7.26%)	$407,500 (+4.51%) Land $43,300 Building $364,200	$449,730
2024	$4,460.00 (+5.51%)	$389,900 (+11.24%) Land $43,300 Building $346,600
2023	$4,227.00	$350,500 Land $43,300 Building $307,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the East Main Street-Cherry Street Historic District listed 1996 · 16 contributing resources · NRIS 96000826

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 422 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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