6 Cottage St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 6 Cottage St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,488 sqft · built 1898
Lot Size	0.24 acres (10,461 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jul 2019)
Tax Bill	$3,125 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U06 B:00182 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U06 B:00182 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,488 sqft Living Area
Gross Area	2,930 sqft
Basement Area	993 sqft
Unfinished Basement	993 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,461 sqft (0.24 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	6 COTTAGE ST
City	SPENCER
State	MA
Zip	01562-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	182
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4023
Census Tract	726200

Owner

6 Cottage St is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	6 COTTAGE ST, SPENCER, MA 01562-2324
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2019 · Amount on File
Deed Sale	Jul 30, 2019 · Amount on File
Deed Document Number	201974337
Deed Book / Page	60790 / 227
Prior Transfer Date	Jul 18, 2019
Prior Transfer Doc	60790-227
Record Updated	Oct 29, 2026

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jul 30, 2019
Property Address	6 COTTAGE ST, SPENCER, MA 01562-2324
Document Number	60790-227
Book / Page	60790 / 227
Instrument Date	Jul 18, 2019
Instrument	74337
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	6 COTTAGE ST, SPENCER, MA 01562-2324

Mortgage

Document Number	74338
Date	Jul 30, 2019
Instrument	74338

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 6 Cottage St was $3,125, up 11,474.1% from the year before.

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	$3,125.00 (+11,474.07%)	$284,600 (+22.2%) Land $47,400 Building $237,200	$336,253 (+11.52%)
2025	$27.00 (-98.94%)	$232,900 (+4.21%) Land $37,100 Building $195,800	$301,530
2024	$2,557.00 (+4.84%)	$223,500 (+10.53%) Land $37,100 Building $186,400
2023	$2,439.00	$202,200 Land $37,100 Building $165,100

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

Flood

FEMA maps place 6 Cottage St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 6 Cottage 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.

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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