Worcester County and Spencer Town property record for 64 Temple St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,695 sqft · built 1887 |
| Lot Size | 0.267 acres (11,615 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,000 (Oct 2019) |
| Tax Bill | $4,328 (2026) |
| Deeds & Mortgages | Aug 2023 Mortgage May 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U02 B:00065 L:00000 |
| Primary APN | SPEN M:00U02 B:00065 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,695 sqft Living Area |
| Gross Area | 3,378 sqft |
| Basement Area | 500 sqft |
| Unfinished Basement | 500 sqft |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 1887 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,615 sqft (0.267 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 64 TEMPLE ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 65 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 726200 |
64 Temple St is owned and occupied by an individual who bought it in October 2019.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 64 TEMPLE ST, SPENCER, MA 01562-2552 |
| 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.
| Date | Document |
|---|---|
| Aug 11, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 13, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jul 20, 2018 | Deed of Trust, Mortgage WEBSTER FIRST FCU |
| Oct 4, 2019 | Quit Claim Deed, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2019 · Amount on File |
| Deed Sale | Oct 4, 2019 · Amount on File |
| Prior Sale | Jul 1, 1996 · Amount on File |
| Deed Document Number | 2019104260 |
| Deed Book / Page | 61178 / 206 |
| Prior Transfer Date | Sep 29, 2019 |
| Prior Transfer Doc | 61178-206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 64 TEMPLE ST, SPENCER, MA 01562-2552 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 069508-292 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 69508/292 |
| Instrument | 66191 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 64 TEMPLE ST, SPENCER, MA 01562-2552 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 071978-356 |
|---|---|
| Date | May 13, 2025 |
| Book Page | 71978/356 |
| Instrument | 37717 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 64 TEMPLE ST, SPENCER, MA 01562-2552 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59130-217 |
|---|---|
| Date | Jul 20, 2018 |
| Book Page | 59130/217 |
| Instrument | 74279 |
| Name | WEBSTER FIRST FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jul 1, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Oct 4, 2019 |
| Property Address | 64 TEMPLE ST, SPENCER, MA 01562-2552 |
| Document Number | 61178-206 |
| Book / Page | 61178 / 206 |
| Instrument Date | Sep 29, 2019 |
| Instrument | 104260 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | HIGHLAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 64 TEMPLE ST, SPENCER, MA 01562-2552 |
| Document Number | 104261 |
|---|---|
| Date | Oct 4, 2019 |
| Instrument | 104261 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 64 Temple St was $4,328, up 7.4% from the year before.
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 | $4,328.00 (+7.45%) | $394,200 (+14.89%) Land $48,000 Building $346,200 | $373,554 (+22.23%) |
| 2025 | $4,028.00 (+7.27%) | $343,100 (+4.54%) Land $37,500 Building $305,600 | $305,615 |
| 2024 | $3,755.00 (+5.63%) | $328,200 (+11.33%) Land $37,500 Building $290,700 | |
| 2023 | $3,555.00 | $294,800 Land $37,500 Building $257,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 64 Temple St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 64 Temple 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.
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 180 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 |
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