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Single Family ResidenceResidential
$369,348$244 / 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 94How 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

3 COTTAGE ST

SPENCER, MA 01562
3
Beds
1.5
Baths
1,515 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.
0.45 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$369K
$345K low$393K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$34 (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.$289,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$41,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$248,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$338,675

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.9 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.Conventional
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.0.45
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(5)

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

3 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 79% of homes in Worcester County
  • Costs less per square foot than 83% of homes in Worcester County
  • Older than 92% 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
$206K$794K

This home is worth more than 30% 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$369,348
CheaperTypical $426,346Pricier

Pricier than 30% of homes nearby

Price per ft²$244
CheaperTypical $284Pricier

Pricier than 24% of homes nearby

Living area1,515 ft²
SmallerTypical 1,642 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.45 ac
SmallerTypical 0.6 acBigger

Bigger than 42% of homes nearby

Year built1890
OlderTypical 1968Newer

Newer than 16% of homes nearby

How 3 Cottage St ranks against every home in each area.
MeasureThis homeSpencer 01562Worcester County
Estimated valuepricier than$369,34830% of homes21% of homes
Price per ft²pricier than$24424% of homes17% of homes
Living areabigger than1,515 ft²43% of homes41% of homes
Lot sizebigger than0.45 ac42% of homes47% of homes
Year builtnewer than189016% of homes8% of homes

About 3 Cottage St

How much is 3 Cottage St, Spencer, MA worth?

The TopHap Estimate for 3 Cottage St, Spencer, MA is $369,348 as of Aug 30, 2026. The likely range is $345,343 to $393,353. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Cottage St, Spencer, MA last sell?

3 Cottage St, Spencer, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3 Cottage St, Spencer, MA?

3 Cottage St, Spencer, MA has 3 bedrooms, 1.5 bathrooms, 1,515 square feet of living space and a 0.45-acre lot.

When was 3 Cottage St, Spencer, MA built?

3 Cottage St, Spencer, MA was built in 1890, making it 136 years old. It is a conventional home. The building has 2 stories.

What schools serve 3 Cottage St, Spencer, MA?

3 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 3 Cottage St, Spencer, MA compare to other homes in Spencer 01562?

Among the 3,927 homes in Spencer 01562, it is worth more than 30% of them ($369,348 against a typical $426,346), its price per square foot is higher than 24% of them ($244 against a typical $284), it is bigger than 43% of them (1,515 ft² against a typical 1,642 ft²), its lot is bigger than 42% of them (0.45 ac against a typical 0.6 ac) and it is newer than 16% of them (1890 against a typical 1968). Measured against all of Worcester County, it is worth more than 21% 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 3 Cottage St, Spencer, MA?

The 2025 property tax bill for 3 Cottage St, Spencer, MA was $34. The county assessed it at $289,900.

More homes on Cottage St

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