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Single Family ResidenceResidential
$500,145$434 / 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 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $379,900 on Sep 14, 2018

21 RUSTIC LN

SPENCER, MA 01562
2
Beds
1
Baths
1,152 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$500K
$482K low$518K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$379,900 · Sep 14, 2018
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$150,145
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$120,116
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.71%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$350,000
CORNERSTONE BANK · recorded Nov 6, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,943 (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.$421,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$115,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$306,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$398,200

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.71 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.0.2 percent flood zone

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.Ranch
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.32
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.

H
David Prouty High SchoolD+
High · Grades 9–12 · 0.5 mi
E
Wire Village SchoolC-
Elementary · Grades KG–4 · 0.5 mi
M
Knox Trail Middle SchoolC
Middle · Grades 5–8 · 1.0 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

21 Rustic Ln 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 more than 69% of homes in Spencer 01562
  • Costs more per square foot than 96% of homes in Spencer 01562
  • Smaller than 82% of homes in Worcester County
  • Has a smaller lot than 71% 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
$229K$837K

This home is worth more than 69% 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$500,145
CheaperTypical $426,463Pricier

Pricier than 69% of homes nearby

Price per ft²$434
CheaperTypical $285Pricier

Pricier than 96% of homes nearby

Living area1,152 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.32 ac
SmallerTypical 0.61 acBigger

Bigger than 29% of homes nearby

Year built1976
OlderTypical 1968Newer

Newer than 64% of homes nearby

How 21 Rustic Ln ranks against every home in each area.
MeasureThis homeSpencer 01562Worcester County
Estimated valuepricier than$500,14569% of homes54% of homes
Price per ft²pricier than$43496% of homes93% of homes
Living areabigger than1,152 ft²23% of homes18% of homes
Lot sizebigger than0.32 ac29% of homes36% of homes
Year builtnewer than197664% of homes57% of homes

About 21 Rustic Ln

How much is 21 Rustic Ln, Spencer, MA worth?

The TopHap Estimate for 21 Rustic Ln, Spencer, MA is $500,145 as of Jul 14, 2026. The likely range is $482,358 to $517,932. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Rustic Ln, Spencer, MA last sell?

21 Rustic Ln, Spencer, MA last sold on Sep 14, 2018 for $379,900, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 21 Rustic Ln, Spencer, MA?

21 Rustic Ln, Spencer, MA has 2 bedrooms, 1 bathrooms, 1,152 square feet of living space and a 0.32-acre lot.

When was 21 Rustic Ln, Spencer, MA built?

21 Rustic Ln, Spencer, MA was built in 1976, making it 50 years old. It is a ranch home. The building has 1 story.

What schools serve 21 Rustic Ln, Spencer, MA?

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

How does 21 Rustic Ln, Spencer, MA compare to other homes in Spencer 01562?

Among the 3,927 homes in Spencer 01562, it is worth more than 69% of them ($500,145 against a typical $426,463), its price per square foot is higher than 96% of them ($434 against a typical $285), it is bigger than 23% of them (1,152 ft² against a typical 1,632 ft²), its lot is bigger than 29% of them (0.32 ac against a typical 0.61 ac) and it is newer than 64% of them (1976 against a typical 1968). Measured against all of Worcester County, it is worth more than 54% 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 21 Rustic Ln, Spencer, MA?

The 2025 property tax bill for 21 Rustic Ln, Spencer, MA was $4,943. The county assessed it at $421,000.

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