Spencer, MA
Worcester County42.2436°N, 71.9935°W
Tracking 5,284 properties across Spencer, Massachusetts — a community where the median home dates to 1967 and the oldest to 1726. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
5,284
Properties Tracked
1967
Median Year Built
$327K
Median Assessed Value
1%
FEMA Flood Zone
1.50M
NEP Data Facts Tracked
Zone 1
Radon Zone
Click any parcel to view intelligence
Spencer, MAInc. 1721
Spencer is a rural town in the central part of Worcester County, with a compact village center and surrounding agricultural and wooded land. The town's economy has historically been based on agriculture and small manufacturing. The housing stock mixes older village homes with rural residential development.
For property professionals, Spencer is a moderate, affordable market in the rural center of the county, with a housing stock that spans enough construction eras to create some variation in building condition.
Risk Profile
FEMA flood zones, fire protection grades, radon — parcel by parcel
FEMA Flood Zones
74 properties (1%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
5,210
A
51
AE
23
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
136
Grade B
1,177
Grade C
742
Grade D
400
Grade E
2,829
Zone 1
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
50 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
5,284 properties · Median year built 1967 · Avg 1,698 sf
Property Types
Single Family
3,204
Vacant Land
702
Multi-Family
565
Institutional
239
Residential Other
122
Mixed Use
114
Two-Family
109
Commercial
102
Agricultural / Open Space
52
Industrial
50
Construction by Era
Pre-1800
41
1800-1849
73
1850-1899
615
1900-1949
676
1950-1979
1,376
1980-1999
743
2000+
625
Architectural Styles
Ranch
935
Vacant Land
759
Colonial
547
Cape Cod
521
Conventional
518
Multi-Family
456
Raised Ranch
344
Contemporary
147
Market Activity
Recorded transactions from Worcester County Registry of Deeds
61%
Owner-Occupied
3%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 99% of Spencer properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Living in Spencer
Worcester County · Massachusetts
Zip Codes0156201652
11,992
Population
2020 Census
5,284
Properties
$327K
Median Assessed
61%
Owner-Occupied
34.0
Square Miles
Spencer covers 34.0 square miles in Worcester County, Massachusetts. The median assessed property value is $327K.
Single-family homes account for 3,204 of Spencer's 5,284 properties and 685 multi-family buildings. There are 102 commercial properties and 702 parcels of vacant land. About 61% of properties are owner-occupied, and 3% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $209K and $429K, with the highest assessed property at $20.1M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
33% of properties are on municipal sewer, with the remainder on private septic systems, and 39% have public water service. Electric service is provided by FITCHBURG GAS & ELEC LIGHT CO. 458 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Spencer its character.
What Spencer Property Intelligence Means for Professionals
Insurance & Underwriting
Spencer's fire protection grade distribution (136 Grade A, 1,177 Grade B) directly affects premium calculation. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Spencer's 10 property types, spanning construction from 1726 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 1% of Spencer properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
Understanding a property's construction era, environmental exposure, and building characteristics before arriving on site transforms inspection from discovery to verification.
Inspection solutionsExplore Spencer property intelligence.
5,284 Spencer properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/spencer-ma. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.