10 Charles St, Georgetown, MA 01833 Property Records

Essex County and Georgetown Town property record for 10 Charles St, Georgetown, MA 01833

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,028 sqft · built 1960
Lot Size	0.928 acres (40,436 sqft)
Owner	Individual Name on File
Tax Bill	$12,904 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GEOR M:00018 B:00000 L:00006`

Property Details

APN / Parcel Number

Primary APN	`GEOR M:00018 B:00000 L:00006`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,028 sqft Living Area
Gross Area	6,144 sqft
Basement Area	1,726 sqft
Unfinished Basement	1,726 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,436 sqft (0.928 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	10 CHARLES ST
City	GEORGETOWN
State	MA
Zip	01833-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	PINE STREET ESTATES
Legal Lot Number	6
Jurisdiction	GEORGETOWN MA
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1003
Census Tract	265102

Owner

10 Charles St is owned and occupied by an individual.

Source: Essex County and Georgetown Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10 CHARLES ST, GEORGETOWN, MA 01833-1107
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit SAINT JEANS CU
Mar 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Nov 16, 2017	Deed of Trust, Mortgage LOUISE E MILLS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	10 CHARLES ST, GEORGETOWN, MA 01833-1107
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043303-578
Date	Mar 31, 2026
Book Page	43303/578
Instrument	20260331001020

Lender

Name	SAINT JEANS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	10 CHARLES ST, GEORGETOWN, MA 01833-1107
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39655-256
Date	Mar 17, 2021
Book Page	39655/256
Instrument	20210317000990

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	10 CHARLES ST, GEORGETOWN, MA 01833-1107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36334-533
Date	Nov 16, 2017
Book Page	36334/533
Instrument	171116000710

Lender

Name	LOUISE E MILLS FCU

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 10 Charles St was $12,904, up 24.4% from the year before.

Source: Essex County and Georgetown Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Georgetown Town
Unified School District	Georgetown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,904.00 (+24.41%)	$937,800 (-) Land $307,700 Building $630,100	$844,671 (-7.45%)
2025	$10,372.00 (+13.6%)	$937,800 (+28.91%) Land $307,700 Building $630,100	$912,665
2024	$9,130.00 (+3.83%)	$727,500 (+7.4%) Land $212,200 Building $515,300
2023	$8,793.00	$677,400 Land $212,200 Building $465,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10 Charles St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GEORGETOWN WATER DEPARTMENT serves 8,766 people · EPA ID MA3105000
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Jul 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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