99 Clark Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 99 Clark Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,506 sqft · built 2004
Lot Size	0.263 acres (11,440 sqft)
Owner	Individual Name on Record
Tax Bill	$8,261 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2023 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U27 B:00015 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U27 B:00015 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,506 sqft Living Area
Gross Area	4,594 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,440 sqft (0.263 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	99 CLARK RD
City	SPENCER
State	MA
Zip	01562-3122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Block	15
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3018
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	99 CLARK RD, SPENCER, MA 01562-3122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION
Sep 18, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MILLBURY NATIONAL BANK
Oct 1, 2021	Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION
Nov 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MILLBURY NATIONAL BANK
Oct 1, 2021	Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION
Jun 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage GRANITE ST ECONOMIC DEV
Feb 14, 2018	Quit Claim Deed, Transfer · ARM WEBSTER FIRST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2018
Deed Sale	Feb 14, 2018
Prior Sale	Jun 10, 2016 · Amount on Record
Deed Book / Page	58436 / 181
Transfer Doc	0055461-26
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	99 CLARK RD, SPENCER, MA 01562-3122
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068301-29
Date	Oct 3, 2022
Book Page	68301/29
Instrument	107959

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	99 CLARK RD, SPENCER, MA 01562-3122
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069652-371
Date	Sep 18, 2023
Book Page	69652/371
Instrument	77378

Lender

Name	MILLBURY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	99 CLARK RD, SPENCER, MA 01562-3122
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066199-151
Date	Oct 1, 2021
Book Page	66199/151
Instrument	138164

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Nov 1, 2028
Index	1-Year CMT

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	99 CLARK RD, SPENCER, MA 01562-3122
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071277-236
Date	Nov 12, 2024
Book Page	71277/236
Instrument	93719

Lender

Name	MILLBURY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	99 CLARK RD, SPENCER, MA 01562-3122
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66199-151
Date	Oct 1, 2021
Book Page	66199/151
Instrument	138164

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Nov 1, 2028
Index	1-Year CMT

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	99 CLARK RD, SPENCER, MA 01562-3122
Document Number	60572-44
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 CLARK RD SPENCER MA 015623122, SPENCER, MA 01562-3122

Mortgage

Document Number	60572-44
Date	Jun 19, 2019
Book Page	060572/000044
Instrument	56842

Lender

Name	GRANITE ST ECONOMIC DEV
Type	Construction/Development Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 14, 2018
Property Address	99 CLARK RD, SPENCER, MA 01562-3122
Document Number	58436-181
Book / Page	58436 / 181
Instrument	14724
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$53.83
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 CLARK RD, SPENCER, MA 01562-3122

Mortgage

Document Number	58436-183
Date	Feb 14, 2018
Book Page	58436/183
Instrument	14725

Lender

Name	WEBSTER FIRST FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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	$8,261.00 (+9,974.39%)	$752,400 (+6.98%) Land $147,500 Building $604,900	$742,766 (-4.22%)
2025	$82.00 (-98.98%)	$703,300 (+0.04%) Land $128,200 Building $575,100	$775,485
2024	$8,042.00 (+4.56%)	$703,000 (+10.24%) Land $128,200 Building $574,800
2023	$7,691.00	$637,700 Land $128,200 Building $509,500

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	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 37 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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