8 Howe Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 8 Howe Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,507 sqft · built 1965
Lot Size	0.823 acres (35,860 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Dec 2021)
Tax Bill	$5,815 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R23 B:00029 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R23 B:00029 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,507 sqft Living Area
Gross Area	4,048 sqft
Basement Area	1,397 sqft
Unfinished Basement	1,397 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,860 sqft (0.823 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	8 HOWE RD
City	SPENCER
State	MA
Zip	01562-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	WILLIAM C ELISE L FARMER
Legal Block	29
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2009
Census Tract	726100

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	8 HOWE RD, SPENCER, MA 01562-2712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION
Dec 28, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	May 23, 2016 · Amount on Record
Deed Document Number	2021181763
Deed Book / Page	66843 / 324
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	Aug 11, 2026
Property Address	8 HOWE RD, SPENCER, MA 01562-2712
Document Number	0000068867
Book / Page	74010 / 22
Instrument Date	Aug 6, 2026
Instrument	202668867
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 HOWE RD, SPENCER, MA 01562-2712

Mortgage

Document Number	0000068867,
Date	Aug 11, 2026
Book Page	74010/22
Instrument	202668867

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Dec 28, 2021
Property Address	8 HOWE RD, SPENCER, MA 01562-2712
Document Number	066843-324
Book / Page	66843 / 324
Instrument Date	Dec 28, 2021
Instrument	181763
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	8 HOWE RD, SPENCER, MA 01562-2712
Investor	Possibly a Property Investor

Mortgage

Document Number	0000181764
Date	Dec 28, 2021
Instrument	181764

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,815.00 (+9,591.67%)	$529,600 (+2.42%) Land $60,100 Building $469,500	$432,301 (-11.3%)
2025	$60.00 (-98.91%)	$517,100 (+7.13%) Land $52,300 Building $464,800	$487,350
2024	$5,522.00 (+8%)	$482,700 (+13.84%) Land $52,300 Building $430,400
2023	$5,113.00	$424,000 Land $52,300 Building $371,700

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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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