Worcester County and Spencer Town property record for 120 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,877 sqft · built 1993 |
| Lot Size | 11.6 acres (506,926 sqft) |
| Owner | Individual Name on File |
| Last Sale | $512,000 (Nov 2023) |
| Tax Bill | $5,235 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R03 B:00010 L:00000 |
| Primary APN | SPEN M:00R03 B:00010 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,877 sqft Living Area |
| Gross Area | 3,156 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 988 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 506,926 sqft (11.6 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 120 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 | 10 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 726100 |
120 E Charlton Rd is owned and occupied by an individual who bought it in November 2023.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 E CHARLTON RD, SPENCER, MA 01562-3106 |
| 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.
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PRESTIGE HOME MORTGAGE LLC |
| Nov 20, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PRESTIGE HOME MORTGAGE LLC |
| May 28, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NATIONS LENDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2023 · Amount on File |
| Deed Sale | Nov 20, 2023 · Amount on File |
| Prior Sale | May 28, 2021 · Amount on File |
| Deed Book / Page | 69907 / 66 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 120 E CHARLTON RD, SPENCER, MA 01562-3106 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072563-359 |
|---|---|
| Date | Sep 22, 2025 |
| Book Page | 72563/359 |
| Instrument | 80844 |
| Name | PRESTIGE HOME MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Nov 20, 2023 |
| Property Address | 120 E CHARLTON RD, SPENCER, MA 01562-3106 |
| Document Number | 0069907-66 |
| Book / Page | 69907 / 66 |
| Instrument Date | Nov 20, 2023 |
| Instrument | 97552 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 E CHARLTON RD, SPENCER, MA 01562-3106 |
| Document Number | 0000097553 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | 97553 |
| Name | PRESTIGE HOME MORTGAGE LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | May 28, 2021 |
| Property Address | 120 E CHARLTON RD, SPENCER, MA 01562-3106 |
| Document Number | 65278-72 |
| Book / Page | 65278 / 72 |
| Instrument Date | May 27, 2021 |
| Instrument | 74722 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 120 E CHARLTON RD, SPENCER, MA 01562-3106 |
| Document Number | 74723 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 74723 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 120 E Charlton Rd was $5,235, down 0.8% from the year before.
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,235.00 (-0.76%) | $476,800 (+6.12%) Land $78,300 Building $398,500 | $510,299 (+6.77%) |
| 2025 | $5,275.00 (+12.76%) | $449,300 (+9.88%) Land $72,700 Building $376,600 | $477,945 |
| 2024 | $4,678.00 (+3.79%) | $408,900 (+9.42%) Land $72,700 Building $336,200 | |
| 2023 | $4,507.00 | $373,700 Land $72,700 Building $301,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 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 risk around 120 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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