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Single Family ResidenceResidential
$292,927$218 / 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
Last sold for $114,000 on Jul 23, 2010

3 WATER ST

SPENCER, MA 01562
2
Beds
1
Baths
1,344 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.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$293K
$275K low$311K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$114,000 · Jul 23, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,112 (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.$265,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$42,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$222,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$265,100

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.11 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.Cape Cod
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.48
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Baseboard

Transaction History(8)

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 · 0.8 mi
H
David Prouty High SchoolD+
High · Grades 9–12 · 1.4 mi
E
Wire Village SchoolC-
Elementary · Grades KG–4 · 1.9 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 Water 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 93% of homes in Spencer 01562
  • Costs less per square foot than 91% of homes in Worcester County
  • Smaller than 69% of homes in Worcester County
  • Newer than 68% of homes in Spencer 01562

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
$222K$806K

This home is worth more than 7% 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$292,927
CheaperTypical $427,755Pricier

Pricier than 7% of homes nearby

Price per ft²$218
CheaperTypical $285Pricier

Pricier than 13% of homes nearby

Living area1,344 ft²
SmallerTypical 1,628 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.48 ac
SmallerTypical 0.6 acBigger

Bigger than 44% of homes nearby

Year built1980
OlderTypical 1968Newer

Newer than 68% of homes nearby

How 3 Water St ranks against every home in each area.
MeasureThis homeSpencer 01562Worcester County
Estimated valuepricier than$292,9277% of homes7% of homes
Price per ft²pricier than$21813% of homes9% of homes
Living areabigger than1,344 ft²35% of homes31% of homes
Lot sizebigger than0.48 ac44% of homes50% of homes
Year builtnewer than198068% of homes60% of homes

About 3 Water St

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

The TopHap Estimate for 3 Water St, Spencer, MA is $292,927 as of Aug 30, 2026. The likely range is $275,195 to $310,659. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

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

3 Water St, Spencer, MA last sold on Jul 23, 2010 for $114,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3 Water St, Spencer, MA?

3 Water St, Spencer, MA has 2 bedrooms, 1 bathrooms, 1,344 square feet of living space and a 0.48-acre lot.

When was 3 Water St, Spencer, MA built?

3 Water St, Spencer, MA was built in 1980, making it 46 years old. It is a cape cod home. The building has 2 stories.

What schools serve 3 Water St, Spencer, MA?

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

Among the 3,927 homes in Spencer 01562, it is worth more than 7% of them ($292,927 against a typical $427,755), its price per square foot is higher than 13% of them ($218 against a typical $285), it is bigger than 35% of them (1,344 ft² against a typical 1,628 ft²), its lot is bigger than 44% of them (0.48 ac against a typical 0.6 ac) and it is newer than 68% of them (1980 against a typical 1968). Measured against all of Worcester County, it is worth more than 7% 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 Water St, Spencer, MA?

The 2025 property tax bill for 3 Water St, Spencer, MA was $3,112. The county assessed it at $265,100.

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