77 Ash St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 77 Ash St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 868 sqft · built 1955
Lot Size	0.136 acres (5,908 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Jan 2011)
Tax Bill	$2,498 (2026)
Deeds & Mortgages	Oct 2022 Refinance Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U04 B:00017 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U04 B:00017 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	868 sqft Living Area
Gross Area	1,814 sqft
Basement Area	628 sqft
Unfinished Basement	628 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,908 sqft (0.136 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	77 ASH ST
City	SPENCER
State	MA
Zip	01562-2350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	17
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4022
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	77 ASH ST, SPENCER, MA 01562-2350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Sep 21, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 1, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2011 · Amount on Record
Deed Sale	Jan 5, 2011 · Amount on Record
Prior Sale	Feb 25, 2005 · Amount on Record
Deed Document Number	20111245
Deed Book / Page	46922 / 329
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	77 ASH ST, SPENCER, MA 01562-2350
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068399-350
Date	Oct 26, 2022
Book Page	68399/350
Instrument	115618

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	77 ASH ST, SPENCER, MA 01562-2350
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59441-367
Date	Sep 21, 2018
Book Page	59441/367
Instrument	100396

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	77 ASH ST, SPENCER, MA 01562-2350
Document Number	61395-105
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 ASH ST SPENCER MA 015622350, SPENCER, MA 01562-2350

Mortgage

Document Number	61395-105
Date	Nov 12, 2019
Book Page	061395/000105
Instrument	120732

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 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	$2,498.00 (+9,892%)	$227,500 (+5.42%) Land $44,700 Building $182,800	$299,792 (+17.01%)
2025	$25.00 (-98.92%)	$215,800 (+6.62%) Land $35,000 Building $180,800	$256,215
2024	$2,315.00 (+7.13%)	$202,400 (+12.95%) Land $35,000 Building $167,400
2023	$2,161.00	$179,200 Land $35,000 Building $144,200

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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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