56 Cherry St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 56 Cherry St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,229 sqft · built 1850
Lot Size	0.775 acres (33,745 sqft)
Owner	Individual Name on Record
Last Sale	$448,000 (Sep 2026)
Tax Bill	$5,414 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U06 B:00185 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U06 B:00185 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,229 sqft Living Area
Gross Area	4,379 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,745 sqft (0.775 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	56 CHERRY ST
City	SPENCER
State	MA
Zip	01562-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	185
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4023
Census Tract	726200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Worcester County and Spencer Town records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	56 CHERRY ST, LAWRENCE, MA 01841-2217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Quit Claim Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Oct 19, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
May 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	202683543
Deed Book / Page	74206 / 389
Prior Transfer Date	Sep 21, 2026
Prior Transfer Doc	0000083543
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 23, 2026
Property Address	56 CHERRY ST, SPENCER, MA 01562-2209
Document Number	0000083543
Book / Page	74206 / 389
Instrument Date	Sep 21, 2026
Instrument	202683543
Transaction Type	Transfer
Record Updated	Oct 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Date	Sep 23, 2026

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Oct 19, 2020
Property Address	56 CHERRY ST, SPENCER, MA 01562-2209
Document Number	63530-367
Book / Page	63530 / 367
Instrument Date	Oct 14, 2020
Instrument	124449
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	56 CHERRY ST, SPENCER, MA 01562-2209

Mortgage

Document Number	124450
Date	Oct 19, 2020
Instrument	124450

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	May 11, 2017
Property Address	56 CHERRY ST, SPENCER, MA 01562-2209
Document Number	57101-216
Book / Page	057101 / 000216
Instrument Date	May 10, 2017
Instrument	47679
Transaction Type	Transfer
Record Updated	May 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	56 CHERRY ST SPENCER MA 015622209, SPENCER, MA 01562-2209

Tax Assessment & Valuation

Source: Worcester County and Spencer Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,414.00 (+11,179.17%)	$493,100 (+20.42%) Land $59,400 Building $433,700	$419,187 (-1.59%)
2025	$48.00 (-98.93%)	$409,500 (+4.41%) Land $51,700 Building $357,800	$425,980
2024	$4,487.00 (+5.33%)	$392,200 (+11.04%) Land $51,700 Building $340,500
2023	$4,260.00	$353,200 Land $51,700 Building $301,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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