Worcester County and Spencer Town property record for 122 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,658 sqft · built 1997 |
| Lot Size | 12.7 acres (554,842 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Aug 2017) |
| Tax Bill | $7,097 (2026) |
| Deeds & Mortgages | Jul 2021 Refinance Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R03 B:00009 L:00000 |
| Primary APN | SPEN M:00R03 B:00009 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,658 sqft Living Area |
| Gross Area | 5,509 sqft |
| Basement Area | 1,026 sqft |
| Unfinished Basement | 1,026 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 554,842 sqft (12.7 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 122 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 | 9 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 726100 |
122 E Charlton Rd is owned and occupied by two individuals who bought it in August 2017.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 122 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 |
|---|---|
| Jul 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Sep 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Aug 1, 2017 | Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2017 · Amount on File |
| Deed Sale | Aug 1, 2017 · Amount on File |
| Prior Sale | Oct 31, 1996 · Amount on File |
| Deed Book / Page | 57520 / 98 |
| Transfer Doc | 0057520-98 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 122 E CHARLTON RD, SPENCER, MA 01562-3106 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065612-232 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | 65612/232 |
| Instrument | 97935 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 122 E CHARLTON RD, SPENCER, MA 01562-3106 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63272-214 |
|---|---|
| Date | Sep 17, 2020 |
| Book Page | 63272/214 |
| Instrument | 107357 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Aug 1, 2017 |
| Property Address | 122 E CHARLTON RD, SPENCER, MA 01562-3106 |
| Document Number | 57520-98 |
| Book / Page | 057520 / 000098 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 83360 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,550.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 122 E CHARLTON RD SPENCER MA 015623106, SPENCER, MA 01562-3106 |
| Document Number | 57520-100 |
|---|---|
| Date | Aug 1, 2017 |
| Book Page | 057520/000100 |
| Instrument | 83361 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 31, 2047 |
The 2026 property tax bill for 122 E Charlton Rd was $7,097, up 9,895.8% 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 | $7,097.00 (+9,895.77%) | $646,400 (+5.81%) Land $80,100 Building $566,300 | $602,317 (+11.68%) |
| 2025 | $71.00 (-98.98%) | $610,900 (+0.07%) Land $72,100 Building $538,800 | $539,315 |
| 2024 | $6,984.00 (+6.4%) | $610,500 (+12.16%) Land $72,100 Building $538,400 | |
| 2023 | $6,564.00 | $544,300 Land $72,100 Building $472,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 122 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 122 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 22 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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