74 Maple St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 74 Maple St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,337 sqft · built 1827
Lot Size	0.437 acres (19,021 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Sep 2018)
Tax Bill	$4,032 (2026)
Deeds & Mortgages	Jun 2023 Refinance May 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U02 B:00027 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U02 B:00027 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,337 sqft Living Area
Gross Area	2,204 sqft
Basement Area	552 sqft
Unfinished Basement	552 sqft

Exterior

Year Built	Built 1827
Effective Year Built	Effective 1827
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,021 sqft (0.437 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	74 MAPLE ST
City	SPENCER
State	MA
Zip	01562-2532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	27
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3017
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	74 MAPLE ST, SPENCER, MA 01562-2532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
May 9, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 11, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 7, 2018	Quit Claim Deed, Transfer · FHA Mortgage US BANK NA
Feb 16, 2018	Quit Claim Deed, Transfer
Oct 18, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2018 · Amount on Record
Deed Sale	Sep 7, 2018 · Amount on Record
Prior Sale	Feb 16, 2018 · Amount on Record
Deed Document Number	201894627
Deed Book / Page	59372 / 122
Transfer Doc	059372-122
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	74 MAPLE ST, SPENCER, MA 01562-2532
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069242-99
Date	Jun 12, 2023
Book Page	69242/99
Instrument	45527

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2038

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	74 MAPLE ST, SPENCER, MA 01562-2532
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070487-305
Date	May 9, 2024
Book Page	70487/305
Instrument	34228

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jun 1, 2051

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	74 MAPLE ST, SPENCER, MA 01562-2532
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071844-189
Date	Apr 11, 2025
Book Page	71844/189
Instrument	27920

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	May 1, 2051

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 7, 2018
Property Address	74 MAPLE ST, SPENCER, MA 01562-2532
Document Number	59372-122
Book / Page	59372 / 122
Instrument	94627
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18.17
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	593720124
Date	Sep 7, 2018
Instrument	59372/0124

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 16, 2018
Property Address	74 MAPLE ST, SPENCER, MA 01562-2532
Document Number	58448-134
Book / Page	058448 / 000134
Instrument Date	Jan 30, 2018
Instrument	15784
Transaction Type	Transfer
Record Updated	Mar 7, 2018

Transaction

Amount	Amount Recorded
Tax	$319.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 PINE ACRES RD SPENCER MA 015622912, SPENCER, MA 01562-2912

October 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPENCER MA
Recording Date	Oct 18, 2017
Property Address	74 MAPLE ST, SPENCER, MA 01562-2532
Document Number	57898-216
Book / Page	057898 / 000216
Instrument Date	Sep 27, 2017
Instrument	115446
Transaction Type	Foreclosure
Record Updated	Nov 7, 2017

Transaction

Amount	Amount Recorded
Tax	$444.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203

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	$4,032.00 (+12.41%)	$367,200 (+20.2%) Land $52,800 Building $314,400	$331,706 (+6.29%)
2025	$3,587.00 (+7.14%)	$305,500 (+4.37%) Land $45,900 Building $259,600	$312,075
2024	$3,348.00 (+4.95%)	$292,700 (+10.66%) Land $45,900 Building $246,800
2023	$3,190.00	$264,500 Land $45,900 Building $218,600

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 · 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

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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