Worcester County and Spencer Town property record for 54 Valley St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,008 sqft · built 1987 |
| Lot Size | 0.313 acres (13,648 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,621 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U08 B:00106 L:00001 |
| Primary APN | SPEN M:00U08 B:00106 L:00001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,008 sqft Living Area |
| Gross Area | 4,279 sqft |
| Basement Area | 1,288 sqft |
| Unfinished Basement | 1,288 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,648 sqft (0.313 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 54 VALLEY ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 106 |
| Legal Lot Number | 1 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 726200 |
54 Valley 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 | 54 VALLEY ST, SPENCER, MA 01562-2144 |
| 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 |
|---|---|
| Aug 6, 2019 | Deed of Trust, Mortgage · Balloon Mortgage WEBSTER FIRST FEDERAL CREDIT UNION |
| Sep 21, 2020 | Deed of Trust, Mortgage · Balloon Mortgage WEBSTER FIRST FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 54 VALLEY ST, SPENCER, MA 01562-2144 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60837-140 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | 60837/140 |
| Instrument | 77890 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 54 VALLEY ST, SPENCER, MA 01562-2144 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63294-127 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 63294/127 |
| Instrument | 108816 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 54 Valley St was $5,621, up 9,761.4% 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 | $5,621.00 (+9,761.4%) | $511,900 (+4.55%) Land $49,000 Building $462,900 | $422,250 |
| 2025 | $57.00 (-98.91%) | $489,600 (+7.32%) Land $38,300 Building $451,300 | |
| 2024 | $5,219.00 (+6.16%) | $456,200 (+11.92%) Land $38,300 Building $417,900 | |
| 2023 | $4,916.00 | $407,600 Land $38,300 Building $369,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54 Valley 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 54 Valley 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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