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12 Stiles Ave, Spencer MA 01562

Spencer, MA 01562 • South Spencer
$899,000
Est. $5,283/month
3
Beds
3.5
Baths
2,290
Sq Ft
$393
Price/Sq Ft
0.22
Acres
2003
Year Built
9 hours 38 minutes
Time on Market
Active Open House Listed Apr 30, 2026 • MLS# 73510772 Copied!

About this home

Rare opportunity to own a private lakefront estate featuring a main residence and separate guest cottage, ideal for extended living or hosting. Set on desired Stiles Reservoir, this property offers sweeping wraparound water views. The custom built Lindal Cedar post and beam main home with over 2000 sq ft, designed to maximize natural light and scenic views. The primary suite features water views, walk-in closet, soaking tub, dual vanities, and skylight. A picturesque cedar sunroom overlooks the lake, and a second full kitchen on the lower level adds flexibility. A cozy seasonal guest cottage provides additional accommodations. Nestled in a quiet cove that protects it from the busyness of the lake, you will enjoy approx. 130+ ft of frontage, a dock and direct access to a fully recreational lake, perfect for boating, swimming and lakeside living. Built and maintained by original owners. Septic passed Title 5 inspection.

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Property Overview

Property Type
Single Family Residence
Listing Type
For Sale
Year Built
2003
Bedrooms
3
Full Bathrooms
3
Half Bathrooms
1
Living Area
2,290 sq ft
Total Rooms
9

Open House Schedule

03
May
Sunday, May 3
1:00 PM - 3:00 PM EDT
02
May
Saturday, May 2
11:00 AM - 1:00 PM EDT

Facts & Features

Central AC

Home Facts

Type Residential
Style Single Family Residence
Year Built 2003
Living Area 2,290 sq ft
Lot Size 0.22 acres
Bedrooms 3
Full Baths 3
Half Baths 1
Total Rooms 9

Interior

Heating Forced Air, Propane
Cooling Central Air
Flooring Tile, Carpet, Laminate, Hardwood
Appliances Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer/dryer
Fireplace Family Room, Living Room
Fireplaces 2
Basement Full, Finished, Walk-out Access, Interior Entry
Laundry Main Level, First Floor, Electric Dryer Hookup
Features Recessed Lighting, Kitchen

Exterior

Construction Frame, Post & Beam
Architecture Contemporary, Other (see Remarks)
Roof Shingle
Features Deck - Wood, Patio, Storage, Sprinkler System, Guest House
Pool None
Spa None
Fencing None
Patio/Porch Deck - Wood, Patio

Parking

Features Off Street, Unpaved
Total Spaces 8

Utilities

Electric 110 Volts
Water Private
Sewer Private Sewer
Gas None
Other For Electric Range, For Electric Oven, For Electric Dryer

Financial

Annual Tax $6,444
Assessed Value $586,900

Interior Features

Flooring: Tile, Carpet, Laminate, Hardwood
Appliances: Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer/Dryer
Interior Features: Recessed Lighting, Kitchen
Windows:
Basement: Full, Finished, Walk-Out Access, Interior Entry
Laundry: Main Level, First Floor, Electric Dryer Hookup
Security: Security System

Construction & Materials

Style: Contemporary, Other (See Remarks)
Year Built: 2003
Structure Type:
Exterior Materials: Frame, Post & Beam
Roof: Shingle
Foundation: Slab

Heating, Cooling & Utilities

Heating: Forced Air, Propane
Cooling: Central Air
Hot Water:
Water Source: Private
Sewer: Private Sewer
Energy Features: Thermostat

Exterior & Lot

Exterior Features: Deck - Wood, Patio, Storage, Sprinkler System, Guest House
Patio & Porch: Deck - Wood, Patio
Fencing:
Other Structures: Guest House
Lot Features: Easements
Road Surface:

Parking & Garage

Total Parking Spaces: 8
Parking Features: Off Street, Unpaved

Special Features

Fireplaces: 2
Fireplace Type: Family Room, Living Room
Waterfront: Yes
Waterfront Type: Waterfront, Lake, Frontage, Direct Access, Private
View: Yes
View Type: Scenic View(s)
Community Amenities:

Location

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Neighborhood

South Spencer

12 Stiles Ave, Spencer MA 01562

Spencer, MA 01562

Walkability

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Nearby Schools

School information not available for this location.

Monthly Payment Calculator

Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
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After down payment
Total Interest
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $537
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

Rate Impact

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Current Rate
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Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

Property History

Property Timeline

🏠
Listed for Sale
Apr 30, 2026
$899,000
Original listing
Office: Coldwell Banker Realty - Worcester

Price & Status History

Date Event Price Change
Apr 30, 2026 New Listing Added $899,000

Market Statistics

Time on Market
9 hours 38 minutes
Price per Sq Ft
$393

Tax History

Year Taxes Assessment
2026 $6,444 $586,900

Financial Details

Annual Property Tax
$6,444
Tax Year 2026
Assessed Value
$586,900

Listing Information

Listing Agent Nancy Mulroy
Listing Office Coldwell Banker Realty - Worcester
Agent MLS ID CN261534
Office MLS ID AN6245
Listing Data Updated Apr 30, 2026 5:58 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

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