16 Temple St, Spencer MA 01562
Spencer, MA 01562 • South Spencer
$369,900
Est. $2,304/month
Estimate assumptions
20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.
Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.
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About this home
Charming corner-lot 2-family in Spencer offering excellent rental potential and flexibility for both investors and owner-occupants. Each unit features bright, functional living spaces ideal for everyday living and entertaining, with kitchens that flow seamlessly into the main living areas. Comfortable bedrooms provide a welcoming retreat. Additional highlights include in-unit washer/dryer hookups, cable availability, and ample parking with both off-street and on-street options. Second-floor unit is tenant-occupied with an active lease in place.
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Recently Sold Nearby
Property History
Market Insights
Property Timeline
Showing Instructions Updated
Oct 9, 2026
New showing requirements
Listed for Sale
Oct 9, 2026
$369,900
Original listing
Office: Lamacchia Realty, Inc.
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/09/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 10/09/2026 | 🏠 Listed for Sale | $369,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $2,808 | $239,200 |
Financial Details
Annual Property Tax
$2,808
Tax Year 2025
Assessed Value
$239,200
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1887
Living Area
1,742 sq ft
Lot Size
0.06 acres
Stories
2
Bedrooms
5
Full Baths
2
Total Rooms
10
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
$1,450/mo · Y
Total Monthly Rent
$1,450/mo
Gross Income
$17,400
Net Operating Income
$17,400
Operating Expenses
$14,214
Water/Sewer Expense
$2,800
Electric Expense
$1,440
Insurance Expense
$6,599
Cap Rate
4.70%
Interior
Heating
Forced Air, Natural Gas, Electric
Cooling
Window Unit(s)
Flooring
Vinyl, Carpet
Appliances
Range, Refrigerator, Washer, Dryer
Fireplace
None
Basement
Full, Walk-out Access, Interior Entry, Concrete, Unfinished
Laundry
Washer Hookup, Dryer Hookup, Electric Dryer Hookup
Features
Bathroom With Tub & Shower, Open Floorplan, Living Room, Kitchen, Office/den, Laundry Room
Exterior
Construction
Conventional (2x4-2x6)
Architecture
None
Roof
Shingle
Features
Balcony/deck, Balcony
Pool
None
Spa
None
Fencing
Fenced
Patio/Porch
Porch, Deck, Deck - Wood
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
4
Utilities
Electric
Circuit Breakers, 60 Amps/less, 100 Amp Service, Other (see Remarks)
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$2,808
Assessed Value
$239,200
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Yes
Seller Disclosures
Lead Present In Home - Seller States The Lead Was Encapsulated, But Does Not Have Official Documentation Of The Encapsulation. Ceiling Damage Found In Secondary Bedroom In Unit 1 Will Be Repaired Prior To Close At Sellers Expense. Unit 1 Offers The Potential For A Third Bedroom.
Exclusions
Outdoor Storage Shed Is Owned By Tenants In Unit 2; Both Washer And Dryer In Unit 1.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Documents
None
County
Worcester
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1887
Bedrooms
5
Full Bathrooms
2
Living Area
1,742 sq ft
Total Rooms
10
Stories
2
Levels
2
Floor Layout
Interior Features
Flooring:
Vinyl, Carpet
Appliances:
Range, Refrigerator, Washer, Dryer
Interior Features:
Bathroom With Tub & Shower, Open Floorplan, Living Room, Kitchen, Office/Den, Laundry Room
Windows:
Insulated Windows
Basement:
Full, Walk-Out Access, Interior Entry, Concrete, Unfinished
Laundry:
Washer Hookup, Dryer Hookup, Electric Dryer Hookup
Security:
Construction & Materials
Year Built:
1887
Structure Type:
Exterior Materials:
Conventional (2x4-2x6)
Roof:
Shingle
Foundation:
Block, Stone
Stories:
2
Heating, Cooling & Utilities
Heating:
Forced Air, Natural Gas, Electric
Heating Zones:
2
Cooling:
Window Unit(s)
Hot Water:
Natural Gas, Electric
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Balcony/Deck, Balcony
Patio & Porch:
Porch, Deck, Deck - Wood
Fencing:
Fenced
Other Structures:
Shed(s)
Lot Features:
Corner Lot
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Paved Drive, Off Street, Paved
Special Features
View:
Yes
View Type:
City
Community Amenities:
Public Transportation, Shopping, Park, Walk/Jog Trails, Medical Facility, Laundromat, Bike Path, Highway Access, House of Worship, Public School, Other
Nearby Schools
School District
Spencer-East Brookfield School District local
F
Elementary Schools
3 schools
C-
Wire Village School
1.8 mi
|
#668 of 825
|
Score: 37.5
Improved 5 spots from last year
-20.7 below state avg
461 students
Diverse
Grades K-04
C-
East Brookfield Elementary School
2.2 mi
|
#725 of 825
|
Score: 33.9
Dropped 262 spots from last year
-24.3 below state avg
254 students
Moderate
Strong Attendance
Grades PK-06
Mad Brook Academy
3.8 mi
Grades PK
Middle Schools
2 schools
D
Knox Trail Middle School
0.6 mi
|
#327 of 352
|
Score: 28.7
Dropped 50 spots from last year
-29.5 below state avg
407 students
Diverse
Grades 05-08
C+
Leicester Middle School
4.7 mi
|
#226 of 352
|
Score: 38.6
Improved 5 spots from last year
-19.6 below state avg
401 students
Diverse
Grades 05-08
High Schools
3 schools
C
David Prouty High School
1.1 mi
|
#253 of 346
|
Score: 47.0
Dropped 8 spots from last year
-11.2 below state avg
321 students
Moderate
13 sports
• 482 athletes
Strong AP Program
Career Tech Programs
College Ready Curriculum
Grades 09-12
B
Leicester High School
4.7 mi
|
#163 of 346
|
Score: 54.7
Dropped 3 spots from last year
-3.5 below state avg
409 students
Diverse
14 sports
• 674 athletes
Strong AP Program
High Graduation Rate
Career Tech Programs
College Ready Curriculum
Grades 09-12
C-
North Brookfield High School
4.9 mi
|
#295 of 346
|
Score: 40.7
Improved 8 spots from last year
-17.5 below state avg
161 students
Moderate
College Ready Curriculum
Grades 06-12
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Monthly Payment Calculator
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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
$234
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Total interest paid
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Rate Impact
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Payment Over Time
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.
Location
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Neighborhood
South Spencer
16 Temple St, Spencer MA 01562
Spencer, MA 01562
Listing Information
Listing Agent
Anthony Marzilli
Listing Office
Lamacchia Realty, Inc.
Office Phone
508-425-7372
Agent MLS ID
CN262494
Office MLS ID
AN3002
Listing Data Updated
Oct 9, 2026 4:39 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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