Worcester County and Spencer Town property record for 92 Cherry St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,536 sqft · built 1955 |
| Lot Size | 1.11 acres (48,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $241,900 (Nov 2019) |
| Tax Bill | $4,081 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Mar 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U06 B:00146 L:00000 |
| Primary APN | SPEN M:00U06 B:00146 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 3,564 sqft |
| Basement Area | 1,536 sqft |
| Unfinished Basement | 1,536 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 48,485 sqft (1.11 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 92 CHERRY ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 146 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 726200 |
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 | 92 CHERRY ST, SPENCER, MA 01562-2215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2021 | Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK |
| Mar 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Nov 1, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CORNERSTONE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2019 · Amount on Record |
| Deed Sale | Nov 1, 2019 · Amount on Record |
| Prior Sale | Aug 5, 1996 · Amount on Record |
| Deed Document Number | 2019117171 |
| Deed Book / Page | 61351 / 293 |
| Prior Transfer Date | Oct 21, 2019 |
| Prior Transfer Doc | 061351-293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 92 CHERRY ST, SPENCER, MA 01562-2215 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0064701-96 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 64701/96 |
| Instrument | 36732 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 92 CHERRY ST, SPENCER, MA 01562-2215 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0064701-79 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 64701/79 |
| Instrument | 36731 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Nov 1, 2019 |
| Property Address | 92 CHERRY ST, SPENCER, MA 01562-2215 |
| Document Number | 61351-293 |
| Book / Page | 61351 / 293 |
| Instrument Date | Oct 21, 2019 |
| Instrument | 117171 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 92 CHERRY ST, SPENCER, MA 01562-2215 |
| Document Number | 117172 |
|---|---|
| Date | Nov 1, 2019 |
| Instrument | 117172 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,081.00 (+9,616.67%) | $371,700 (+3.19%) Land $63,100 Building $308,600 | $353,646 (+1.74%) |
| 2025 | $42.00 (-98.91%) | $360,200 (+6.76%) Land $54,900 Building $305,300 | $347,605 |
| 2024 | $3,860.00 (+7.34%) | $337,400 (+13.15%) Land $54,900 Building $282,500 | |
| 2023 | $3,596.00 | $298,200 Land $54,900 Building $243,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures