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Single Family ResidenceResidential
$405,465$161 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $118,000 on Dec 21, 2001

10 COTTAGE ST

SPENCER, MA 01562
5
Beds
2
Baths
2,524 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$405K
$364K low$447K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$118,000 · Dec 21, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,904 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$332,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$36,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$295,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$331,700

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.21 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.22
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Knox Trail Middle SchoolC
Middle · Grades 5–8 · 0.2 mi
H
David Prouty High SchoolD+
High · Grades 9–12 · 0.6 mi
E
Wire Village SchoolC-
Elementary · Grades KG–4 · 1.2 mi

District: Spencer-East Brookfield School District

Neighborhood · ZIP 01562These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.12,315
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.362 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,330
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,868
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10 Cottage St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 70% of homes in Worcester County
  • Costs less per square foot than 98% of homes in Spencer 01562
  • Bigger than 85% of homes in Spencer 01562
  • Has a smaller lot than 84% of homes in Spencer 01562
  • Older than 87% of homes in Worcester County

What homes are worth in Spencer 01562

Each bar is how many homes fall in that price range. The marker is this home.

This home
$224K$800K

This home is worth more than 43% of homes in Spencer 01562.

How it measures up in Spencer 01562

The dot is this home. The mark in the middle is the typical home in Spencer 01562.

Estimated value$405,465
CheaperTypical $427,267Pricier

Pricier than 43% of homes nearby

Price per ft²$161
CheaperTypical $284Pricier

Pricier than 2% of homes nearby

Living area2,524 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.22 ac
SmallerTypical 0.6 acBigger

Bigger than 16% of homes nearby

Year built1900
OlderTypical 1968Newer

Newer than 21% of homes nearby

How 10 Cottage St ranks against every home in each area.
MeasureThis homeSpencer 01562Worcester County
Estimated valuepricier than$405,46543% of homes30% of homes
Price per ft²pricier than$1612% of homes2% of homes
Living areabigger than2,524 ft²85% of homes81% of homes
Lot sizebigger than0.22 ac16% of homes21% of homes
Year builtnewer than190021% of homes13% of homes

About 10 Cottage St

How much is 10 Cottage St, Spencer, MA worth?

The TopHap Estimate for 10 Cottage St, Spencer, MA is $405,465 as of Aug 30, 2026. The likely range is $364,021 to $446,909. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10 Cottage St, Spencer, MA last sell?

10 Cottage St, Spencer, MA last sold on Dec 21, 2001 for $118,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 10 Cottage St, Spencer, MA?

10 Cottage St, Spencer, MA has 5 bedrooms, 2 bathrooms, 2,524 square feet of living space and a 0.22-acre lot.

When was 10 Cottage St, Spencer, MA built?

10 Cottage St, Spencer, MA was built in 1900, making it 126 years old. It is a colonial home. The building has 2 stories.

What schools serve 10 Cottage St, Spencer, MA?

10 Cottage St, Spencer, MA is assigned to Knox Trail Middle School (middle), rated C; David Prouty High School (high), rated D+; Wire Village School (elementary), rated C-. All sit in Spencer-East Brookfield School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10 Cottage St, Spencer, MA compare to other homes in Spencer 01562?

Among the 3,927 homes in Spencer 01562, it is worth more than 43% of them ($405,465 against a typical $427,267), its price per square foot is higher than 2% of them ($161 against a typical $284), it is bigger than 85% of them (2,524 ft² against a typical 1,632 ft²), its lot is bigger than 16% of them (0.22 ac against a typical 0.6 ac) and it is newer than 21% of them (1900 against a typical 1968). Measured against all of Worcester County, it is worth more than 30% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10 Cottage St, Spencer, MA?

The 2025 property tax bill for 10 Cottage St, Spencer, MA was $3,904. The county assessed it at $332,500.

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