106 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 106 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,872 sqft · built 2000
Lot Size	1.25 acres (54,583 sqft)
Owner	2 Individual Names on File
Last Sale	$219,900 (Dec 2000)
Tax Bill	$4,989 (2026)
Deeds & Mortgages	Apr 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R03 B:00011 L:00001`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R03 B:00011 L:00001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	2,952 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,583 sqft (1.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	106 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	11
Legal Lot Number	1
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3012
Census Tract	726100

Owner

106 E Charlton Rd is owned and occupied by two individuals who bought it in December 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	106 E CHARLTON RD, SPENCER, MA 01562-3106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2000 · Amount on File
Deed Sale	Dec 20, 2000 · Amount on File
Prior Sale	Dec 23, 1998 · Amount on File
Deed Book / Page	23346 / 3
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	106 E CHARLTON RD, SPENCER, MA 01562-3106
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067457-155
Date	Apr 19, 2022
Book Page	67457/155
Instrument	42821

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 106 E Charlton Rd was $4,989, up 9,878% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,989.00 (+9,878%)	$454,400 (+6.34%) Land $64,000 Building $390,400	$516,249 (-3.82%)
2025	$50.00 (-98.97%)	$427,300 (+0.31%) Land $55,700 Building $371,600	$536,750
2024	$4,873.00 (+6.49%)	$426,000 (+12.28%) Land $55,700 Building $370,300
2023	$4,576.00	$379,400 Land $55,700 Building $323,700

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

Flood

FEMA maps place 106 E Charlton Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 106 E Charlton Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20