Worcester County and Spencer Town property record for 6 First St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,752 sqft · built 2004 |
| Lot Size | 1.04 acres (45,436 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $344,500 (Sep 2013) |
| Tax Bill | $7,829 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U25 B:00011 L:00000 |
| Primary APN | SPEN M:00U25 B:00011 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,752 sqft Living Area |
| Gross Area | 6,210 sqft |
| Basement Area | 1,116 sqft |
| Unfinished Basement | 1,116 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,436 sqft (1.04 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 6 FIRST ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-3015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LR |
| Legal Block | 11 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4035 |
| Census Tract | 726100 |
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 | 6 FIRST ST, SPENCER, MA 01562-3015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit BAXTER CREDIT UNION |
| May 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| May 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2013 · Amount on Record |
| Deed Sale | Sep 23, 2013 · Amount on Record |
| Prior Sale | Sep 23, 2013 · Amount on Record |
| Deed Book / Page | 51527 / 268 |
| Transfer Doc | 5152000268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Jul 7, 2026 |
| Property Address | 6 FIRST ST, SPENCER, MA 01562-3015 |
| Document Number | 0000056409 |
| Book / Page | 73834 / 331 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202656409 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6 FIRST ST, SPENCER, MA 01562-3015 |
| Document Number | 0000056409, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 73834/331 |
| Instrument | 202656409 |
| Name | BAXTER CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 6 FIRST ST, SPENCER, MA 01562-3015 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00065126-1 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 65126/1 |
| Instrument | 64084 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 6 FIRST ST, SPENCER, MA 01562-3015 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65126-1 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 65126/1 |
| Instrument | 64084 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2041 |
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 | $7,829.00 (-0.38%) | $713,000 (+6.51%) Land $62,600 Building $650,400 | $684,772 (+21.82%) |
| 2025 | $7,859.00 (+10.13%) | $669,400 (+7.31%) Land $54,500 Building $614,900 | $562,115 |
| 2024 | $7,136.00 (+5.72%) | $623,800 (+11.45%) Land $54,500 Building $569,300 | |
| 2023 | $6,750.00 | $559,700 Land $54,500 Building $505,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 84 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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