Worcester County and Spencer Town property record for 6 Walnut St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,518 sqft · built 1886 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,405 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U24 B:00004 L:00000 |
| Primary APN | SPEN M:00U24 B:00004 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,518 sqft Living Area |
| Gross Area | 5,256 sqft |
| Basement Area | 850 sqft |
| Unfinished Basement | 850 sqft |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,000 sqft (0.344 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 6 WALNUT ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 4 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 726200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6 WALNUT ST, SPENCER, MA 01562-2030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 28, 2022 | Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION |
| Jun 9, 2021 | Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION |
| Feb 25, 2019 | Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 6 WALNUT ST, SPENCER, MA 01562-2030 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 068530-303 |
|---|---|
| Date | Nov 28, 2022 |
| Book Page | 68530/303 |
| Instrument | 125996 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Type Change Date | Dec 1, 2030 |
| Index | 3-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 6 WALNUT ST, SPENCER, MA 01562-2030 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 065346-261 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 65346/261 |
| Instrument | 79570 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.63% |
| Type Change Date | Jul 1, 2023 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 6 WALNUT ST, SPENCER, MA 01562-2030 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60078-29 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 60078/29 |
| Instrument | 16479 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
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 | $4,405.00 (+9,911.36%) | $401,200 (+6.36%) Land $49,700 Building $351,500 | $395,098 (-18.03%) |
| 2025 | $44.00 (-98.98%) | $377,200 (-) Land $43,200 Building $334,000 | $482,030 |
| 2024 | $4,315.00 (+20.83%) | $377,200 (+27.39%) Land $43,200 Building $334,000 | |
| 2023 | $3,571.00 | $296,100 Land $43,200 Building $252,900 |
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 |
|---|---|
| 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 238 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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