89 Meadow Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 89 Meadow Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 906 sqft · built 1978
Lot Size	0.486 acres (21,170 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Aug 2019)
Tax Bill	$3,724 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`SPEN M:00U21 B:00060 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U21 B:00060 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	906 sqft Living Area
Gross Area	2,298 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,170 sqft (0.486 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	89 MEADOW RD
City	SPENCER
State	MA
Zip	01562-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Subdivision	SPENCER
Legal Block	60
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2015
Census Tract	726100

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	89 MEADOW RD, SPENCER, MA 01562-1636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) USA RURAL HOUSING
Aug 7, 2019	Quit Claim Deed, Transfer EVOLVE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2019 · Amount on Record
Deed Sale	Aug 7, 2019 · Amount on Record
Prior Sale	Jun 29, 2006 · Amount on Record
Deed Document Number	201978558
Deed Book / Page	60846 / 67
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	89 MEADOW RD, SPENCER, MA 01562-1636
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072320-171
Date	Jul 29, 2025
Book Page	72320/171
Instrument	62636

Lender

Name	USA RURAL HOUSING

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	289 Months
Due	Aug 1, 2049

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Aug 7, 2019
Property Address	89 MEADOW RD, SPENCER, MA 01562-1636
Document Number	60846-67
Book / Page	060846 / 000067
Instrument Date	Aug 7, 2019
Instrument	78558
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,026.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 MEADOW RD SPENCER MA 015621636, SPENCER, MA 01562-1636

Mortgage

Document Number	60846-72
Date	Aug 7, 2019
Book Page	060846/000072
Instrument	78559

Lender

Name	EVOLVE BK&TR
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 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	$3,724.00 (+1.39%)	$339,200 (+8.41%) Land $54,200 Building $285,000	$359,412 (+12.93%)
2025	$3,673.00 (+7.71%)	$312,900 (+4.96%) Land $47,200 Building $265,700	$318,250
2024	$3,410.00 (+3.96%)	$298,100 (+9.6%) Land $47,200 Building $250,900
2023	$3,280.00	$272,000 Land $47,200 Building $224,800

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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