Worcester County and Spencer Town property record for 97 Cherry St, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 988 sqft · built 1955 |
| Lot Size | 0.615 acres (26,775 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,307 (2026) |
| Deeds & Mortgages | Sep 2017 Line of Credit Nov 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00U06 B:00073 L:00000 |
| Primary APN | SPEN M:00U06 B:00073 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Gross Area | 2,692 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 988 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,775 sqft (0.615 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 97 CHERRY ST |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 73 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4010 |
| 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 | 97 CHERRY ST, SPENCER, MA 01562-2214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2017 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FCU |
| Nov 20, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 97 CHERRY ST, SPENCER, MA 01562-2214 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57741-144 |
|---|---|
| Date | Sep 15, 2017 |
| Book Page | 57741/144 |
| Instrument | 102126 |
| Name | WEBSTER FIRST FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 97 CHERRY ST, SPENCER, MA 01562-2214 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61451-278 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 61451/278 |
| Instrument | 124875 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 1, 2029 |
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 | $3,307.00 (+9,626.47%) | $301,200 (+3.36%) Land $56,900 Building $244,300 | $306,463 (-2.42%) |
| 2025 | $34.00 (-98.95%) | $291,400 (+3.41%) Land $49,600 Building $241,800 | $314,070 |
| 2024 | $3,224.00 (+7%) | $281,800 (+12.81%) Land $49,600 Building $232,200 | |
| 2023 | $3,013.00 | $249,800 Land $49,600 Building $200,200 |
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 |
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