8 Debbie Dr, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 8 Debbie Dr, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,508 sqft · built 2006
Lot Size	1.06 acres (46,307 sqft)
Owner	2 Individual Names on File
Last Sale	$369,000 (Feb 2017)
Tax Bill	$6,180 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R46 B:00018 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R46 B:00018 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,508 sqft Living Area
Gross Area	4,550 sqft
Basement Area	966 sqft
Unfinished Basement	966 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,307 sqft (1.06 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	8 DEBBIE DR
City	SPENCER
State	MA
Zip	01562-1445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	18
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1020
Census Tract	726100

Owner

8 Debbie Dr is owned and occupied by two individuals who bought it in February 2017.

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8 DEBBIE DR, SPENCER, MA 01562-1445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE
Feb 14, 2017	Quit Claim Deed, Transfer · VA Mortgage RADIUS FINANCIAL GRP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2017 · Amount on File
Deed Sale	Feb 14, 2017 · Amount on File
Prior Sale	Jun 12, 2015
Deed Book / Page	56740 / 158
Transfer Doc	056740-158
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	8 DEBBIE DR, SPENCER, MA 01562-1445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62283-25
Date	Apr 27, 2020
Book Page	62283/25
Instrument	41975

Lender

Name	FIRST GUARANTY MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	325 Months
Due	May 1, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 14, 2017
Property Address	8 DEBBIE DR, SPENCER, MA 01562-1445
Document Number	56740-158
Book / Page	56740 / 158
Instrument	16224
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43.46
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 DEBBIE DR, SPENCER, MA 01562-1445

Mortgage

Document Number	567400160
Date	Feb 14, 2017
Instrument	56740/0160

Lender

Name	RADIUS FINANCIAL GRP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 8 Debbie Dr was $6,180, up 9,867.7% from the year before.

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	$6,180.00 (+9,867.74%)	$562,800 (+6.15%) Land $62,700 Building $500,100	$602,962 (+4.43%)
2025	$62.00 (-98.98%)	$530,200 (+0.11%) Land $54,600 Building $475,600	$577,410
2024	$6,059.00 (+6.77%)	$529,600 (+12.54%) Land $54,600 Building $475,000
2023	$5,675.00	$470,600 Land $54,600 Building $416,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8 Debbie Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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	2 in force
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1993 · rainfall accumulation

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

Wildfire risk around 8 Debbie Dr 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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