Worcester County and Spencer Town property record for 7 Main St, Spencer, MA 01562
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,600 sqft · built 1900 |
| Lot Size | 0.42 acres (18,281 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Oct 2018) |
| Tax Bill | $3,366 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U12 B:00057 L:00000 |
| Primary APN | SPEN M:00U12 B:00057 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,600 sqft Living Area |
| Gross Area | 5,344 sqft |
| Basement Area | 1,140 sqft |
| Unfinished Basement | 1,140 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,281 sqft (0.42 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 7 MAIN ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2411 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | VR |
| Legal Block | 57 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 726200 |
7 Main St, a duplex, is owned and occupied by an individual who bought it in October 2018.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7 MAIN ST, SPENCER, MA 01562-2411 |
| 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 |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Sep 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Aug 8, 2019 | Deed of Trust, Mortgage · VA Mortgage QUAD CTY BK&TR |
| Oct 17, 2018 | Quit Claim Deed, Transfer · VA Mortgage EVOLVE BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2018 · Amount on File |
| Deed Sale | Oct 17, 2018 · Amount on File |
| Prior Sale | Dec 30, 2015 |
| Deed Book / Page | 59559 / 353 |
| Transfer Doc | 059559-353 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 7 MAIN ST, SPENCER, MA 01562-2411 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0066062-66 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 66062/66 |
| Instrument | 129212 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 7 MAIN ST, SPENCER, MA 01562-2411 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66062-66 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 66062/66 |
| Instrument | 129212 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 7 MAIN ST, SPENCER, MA 01562-2411 |
| Document Number | 60874-60 |
| Instrument Date | Aug 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 7 MAIN ST SPENCER MA 015622411, SPENCER, MA 01562-2411 |
| Document Number | 60874-60 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 060874/000060 |
| Instrument | 80822 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 13, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Oct 17, 2018 |
| Property Address | 7 MAIN ST, SPENCER, MA 01562-2411 |
| Document Number | 59559-353 |
| Book / Page | 059559 / 000353 |
| Instrument Date | Oct 12, 2018 |
| Instrument | 110311 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,048.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 MAIN ST SPENCER MA 015622411, SPENCER, MA 01562-2411 |
| Document Number | 59559-356 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 059559/000356 |
| Instrument | 110312 |
| Name | EVOLVE BK&TR |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 16, 2048 |
The 2026 property tax bill for 7 Main St was $3,366, up 10,418.8% 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 | $3,366.00 (+10,418.75%) | $306,600 (+9.62%) Land $52,200 Building $254,400 | $372,916 |
| 2025 | $32.00 (-98.93%) | $279,700 (+6.8%) Land $40,900 Building $238,800 | |
| 2024 | $2,996.00 (+4.61%) | $261,900 (+10.27%) Land $40,900 Building $221,000 | |
| 2023 | $2,864.00 | $237,500 Land $40,900 Building $196,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Main 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 risk around 7 Main 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 233 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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