124 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 124 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,096 sqft · built 1989
Lot Size	1.12 acres (48,920 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Dec 2020)
Tax Bill	$4,391 (2026)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R03 B:00008 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R03 B:00008 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,096 sqft Living Area
Gross Area	3,920 sqft
Basement Area	1,328 sqft
Unfinished Basement	1,328 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,920 sqft (1.12 acres)

Utilities, Heating & Cooling

Heating Fuel	Solar

Location & Zoning

Street Address	124 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	8
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3012
Census Tract	726100

Owner

124 E Charlton Rd is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	124 E CHARLTON RD, SPENCER, MA 01562-3107
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Prior Sale	Jan 25, 1991 · Amount on File
Deed Document Number	2020161182
Deed Book / Page	64066 / 79
Prior Transfer Date	Dec 22, 2020
Prior Transfer Doc	64066-79
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	Apr 15, 2026
Property Address	124 E CHARLTON RD, SPENCER, MA 01562-3107
Document Number	0073446-17
Book / Page	73446 / 17
Instrument Date	Mar 10, 2026
Instrument	202628662
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 E CHARLTON RD, SPENCER, MA 01562-3107

Mortgage

Document Number	0000028662,
Date	Apr 15, 2026
Book Page	73446/17
Instrument	202628662

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Amount	Amount on Record
Term	301 Months
Due	May 1, 2051

Interest

Rate	6.09%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 124 E Charlton Rd was $4,391, up 9,879.5% 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	$4,391.00 (+9,879.55%)	$399,900 (+6.38%) Land $50,500 Building $349,400	$468,398 (-2.85%)
2025	$44.00 (-98.98%)	$375,900 (+0.13%) Land $44,000 Building $331,900	$482,125
2024	$4,295.00 (+4.6%)	$375,400 (+10.25%) Land $44,000 Building $331,400
2023	$4,106.00	$340,500 Land $44,000 Building $296,500

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

Flood

FEMA maps place 124 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 124 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.

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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20