Worcester County and Spencer Town property record for 126 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,410 sqft · built 1989 |
| Lot Size | 1.95 acres (85,265 sqft) |
| Owner | Individual Name on File |
| Last Sale | $224,000 (Sep 2020) |
| Tax Bill | $3,802 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R03 B:00007 L:00000 |
| Primary APN | SPEN M:00R03 B:00007 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,410 sqft Living Area |
| Gross Area | 2,524 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 85,265 sqft (1.95 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 126 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 | 7 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 726100 |
126 E Charlton Rd is owned by an individual who bought it in September 2020.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 81 BORKUM RD, SPENCER, MA 01562-3115 |
| 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 |
|---|---|
| Dec 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance UNIBANK FOR SAVINGS |
| May 10, 2021 | Deed of Trust, Mortgage · Balloon Mortgage UNIBANK FOR SAVINGS |
| Sep 15, 2020 | Warranty Deed, Transfer · Conventional with PMI NATIONS LNDG |
| Oct 17, 2019 | Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2020 · Amount on File |
| Deed Sale | Sep 15, 2020 · Amount on File |
| Prior Sale | Oct 17, 2019 · Amount on File |
| Deed Document Number | 2020106349 |
| Deed Book / Page | 63257 / 115 |
| Prior Transfer Date | Oct 4, 2019 |
| Prior Transfer Doc | 61246-41 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 126 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0066742-79 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 66742/79 |
| Instrument | 174542 |
| Name | UNIBANK FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 126 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65125-50 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 65125/50 |
| Instrument | 64034 |
| Name | UNIBANK FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Sep 15, 2020 |
| Property Address | 126 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Document Number | 63257-115 |
| Book / Page | 063257 / 000115 |
| Instrument Date | Sep 14, 2020 |
| Instrument | 106349 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,021.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 81 BORKUM RD SPENCER MA 015623115, SPENCER, MA 01562-3115 |
| Document Number | 63257-119 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 063257/000119 |
| Instrument | 106350 |
| Name | NATIONS LNDG |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 14, 2050 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Oct 17, 2019 |
| Property Address | 126 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Document Number | 61246-41 |
| Book / Page | 061246 / 000041 |
| Instrument Date | Oct 4, 2019 |
| Instrument | 109418 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $824.18 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8200 JONES BRANCH DR MCLEAN VA 221023107, MCLEAN, VA 22102-3107 |
The 2026 property tax bill for 126 E Charlton Rd was $3,802, up 10,175.7% 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 | $3,802.00 (+10,175.68%) | $346,300 (+7.41%) Land $66,800 Building $279,500 | $417,865 (+25%) |
| 2025 | $37.00 (-98.93%) | $322,400 (+6.26%) Land $58,400 Building $264,000 | $334,305 |
| 2024 | $3,471.00 (+3.61%) | $303,400 (+9.22%) Land $58,400 Building $245,000 | |
| 2023 | $3,350.00 | $277,800 Land $58,400 Building $219,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 126 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 126 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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