6 Summit St, Spencer, MA 01562 Property Records

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

Property Summary

Property Type	Duplex
Details	7 bd · 2 ba · 2,633 sqft · built 1880
Lot Size	0.196 acres (8,539 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Feb 1988)
Tax Bill	$4,243 (2026)
Deeds & Mortgages	Aug 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U06 B:00019 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U06 B:00019 L:00000`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,633 sqft Living Area
Gross Area	5,300 sqft
Basement Area	1,016 sqft
Unfinished Basement	1,016 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,539 sqft (0.196 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	6 SUMMIT ST
City	SPENCER
State	MA
Zip	01562-2225
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	VR
Legal Block	19
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4013
Census Tract	726200

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	6 SUMMIT ST, SPENCER, MA 01562-2225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 1988 · Amount on Record
Deed Sale	Feb 24, 1988 · Amount on Record
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	6 SUMMIT ST, SPENCER, MA 01562-2225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADAMS & ASSOC LEGAL SVCS TIT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60828-243
Date	Aug 5, 2019
Book Page	60828/243
Instrument	77155

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$4,243.00 (+10,507.5%)	$386,400 (+11.48%) Land $46,300 Building $340,100	$401,624
2025	$40.00 (-98.9%)	$346,600 (+8.69%) Land $36,200 Building $310,400
2024	$3,648.00 (+5.31%)	$318,900 (+11.04%) Land $36,200 Building $282,700
2023	$3,464.00	$287,200 Land $36,200 Building $251,000

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.

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