103 Freeman Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 103 Freeman Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,926 sqft · built 2001
Lot Size	1.39 acres (60,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jan 2017)
Tax Bill	$7,314 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0058 B:000A L:00002-3`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0058 B:000A L:00002-3`
Alternative APNs	`CHRL M:0058 B:000A L:00002-3` `M:0058 B:000A L:00002=3`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,926 sqft Living Area
Gross Area	6,862 sqft
Basement Area	1,068 sqft
Unfinished Basement	1,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	60,548 sqft (1.39 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	103 FREEMAN RD
City	CHARLTON
State	MA
Zip	01507-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	CHARLTON
Legal Block	A
Legal Lot Number	2-3
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	4
Census Block	4037
Census Tract	756102

Owner

Source: Worcester County and Charlton Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 FREEMAN RD, CHARLTON, MA 01507-1309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SHAMROCK HOME LOANS
Jan 19, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance SHAMROCK HOME LOANS
Jan 11, 2017	Quit Claim Deed, Transfer · FHA Mortgage SHAMROCK FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2017 · Amount on Record
Deed Sale	Jan 11, 2017 · Amount on Record
Prior Sale	Jan 9, 2012 · Amount on Record
Deed Book / Page	56599 / 349
Last Transfer Date	Jan 11, 2021
Transfer Doc	0064248-60
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	103 FREEMAN RD, CHARLTON, MA 01507-1309
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064248-64
Date	Jan 19, 2021
Book Page	64248/64
Instrument	7418

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Jan 19, 2021
Property Address	103 FREEMAN RD, CHARLTON, MA 01507-1309
Document Number	0064248-60
Book / Page	64248 / 60
Instrument Date	Jan 11, 2021
Instrument	7417
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 FREEMAN RD, CHARLTON, MA 01507-1309

Mortgage

Document Number	0064248-64
Date	Jan 19, 2021
Book Page	64248/64
Instrument	7418

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Jan 11, 2017
Property Address	103 FREEMAN RD, CHARLTON, MA 01507-1309
Document Number	56599-349
Book / Page	56599 / 349
Instrument	3833
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.03
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	565990352
Date	Jan 11, 2017
Instrument	56599/0352

Lender

Name	SHAMROCK FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2047

Tax Assessment & Valuation

Source: Worcester County and Charlton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Charlton Town
Unified School District	Dudley-Charlton Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,314.00 (+1.63%)	$668,600 (+3.4%) Land $117,100 Building $551,500	$694,903 (+27.77%)
2025	$7,197.00 (+3.57%)	$646,600 (+5.52%) Land $111,100 Building $535,500	$543,875 (+5.49%)
2024	$6,949.00 (+1.59%)	$612,800 (+9.04%) Land $105,100 Building $507,700	$515,565
2023	$6,840.00	$562,000 Land $105,100 Building $456,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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