12 Charles St, Georgetown, MA 01833 Property Records

Essex County and Georgetown Town property record for 12 Charles St, Georgetown, MA 01833

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,667 sqft · built 1963
Lot Size	0.928 acres (40,436 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Oct 2022)
Tax Bill	$9,054 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GEOR M:00018 B:00000 L:00007`

Property Details

APN / Parcel Number

Primary APN	`GEOR M:00018 B:00000 L:00007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,667 sqft Living Area
Gross Area	3,917 sqft
Basement Area	1,625 sqft
Unfinished Basement	1,625 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Wood Siding
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	12 CHARLES ST
City	GEORGETOWN
State	MA
Zip	01833-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Lot Number	7
Jurisdiction	GEORGETOWN MA
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1003
Census Tract	265102

Owner

12 Charles St is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	12 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
Sep 22, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SERVICE CU
Oct 28, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HAVERHILL BANK
Oct 9, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Deed Document Number	20225760
Deed Book / Page	41274 / 86
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	12 CHARLES ST, GEORGETOWN, MA 01833-1107
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041774-565
Date	Sep 22, 2023
Book Page	41774/565
Instrument	20230922003020

Lender

Name	SERVICE CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2038

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GEORGETOWN MA
Recording Date	Oct 28, 2022
Property Address	12 CHARLES ST, GEORGETOWN, MA 01833-1107
Document Number	0041274-86
Book / Page	41274 / 86
Instrument Date	Oct 28, 2022
Instrument	20221028005760
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 CHARLES ST, GEORGETOWN, MA 01833-1107

Mortgage

Document Number	221028005770
Date	Oct 28, 2022
Instrument	221028005770

Lender

Name	HAVERHILL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GEORGETOWN MA
Recording Date	Oct 9, 2020
Property Address	12 CHARLES ST, GEORGETOWN, MA 01833-1107
Document Number	39042-515
Book / Page	039042 / 000515
Instrument Date	Oct 1, 2020
Instrument	9006480
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12 CHARLES ST GEORGETOWN MA 018331107, GEORGETOWN, MA 01833-1107

Tax Assessment & Valuation

The 2026 property tax bill for 12 Charles St was $9,054, 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	$9,054.00 (+24.42%)	$658,000 (-) Land $307,700 Building $350,300	$689,527 (+22.05%)
2025	$7,277.00 (+4.72%)	$658,000 (+18.84%) Land $307,700 Building $350,300	$564,965
2024	$6,949.00 (-5.42%)	$553,700 (-2.17%) Land $212,200 Building $341,500
2023	$7,347.00	$566,000 Land $212,200 Building $353,800

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

Flood

FEMA maps place 12 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 12 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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