Worcester County and Spencer Town property record for 128 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,612 sqft · built 1990 |
| Lot Size | 1.1 acres (48,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $279,000 (May 2020) |
| Tax Bill | $4,358 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage May 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R03 B:00006 L:00000 |
| Primary APN | SPEN M:00R03 B:00006 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,612 sqft Living Area |
| Gross Area | 3,088 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 48,049 sqft (1.1 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 128 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 | 6 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 726100 |
128 E Charlton Rd is owned and occupied by an individual who bought it in May 2020.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 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.
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage LAKEVIEW LOAN SERVICING LLC |
| May 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST FEDERAL BANK |
| May 8, 2020 | Quit Claim Deed, Transfer · VA Mortgage FIRST FEDERAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2020 · Amount on File |
| Deed Sale | May 8, 2020 · Amount on File |
| Prior Sale | Nov 20, 1992 · Amount on File |
| Deed Document Number | 202047324 |
| Deed Book / Page | 62366 / 14 |
| Prior Transfer Date | Apr 27, 2020 |
| Prior Transfer Doc | 62366-14 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 128 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072596-333 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 72596/333 |
| Instrument | 83179 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 128 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65208-1 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 65208/1 |
| Instrument | 69827 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | May 8, 2020 |
| Property Address | 128 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Document Number | 62366-14 |
| Book / Page | 62366 / 14 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 47324 |
| Transaction Type | Transfer |
| Record Updated | May 12, 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 |
|---|---|
| Address | 128 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Document Number | 47325 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 47325 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 128 E Charlton Rd was $4,358, up 0.3% 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 | $4,358.00 (+0.32%) | $396,900 (+7.27%) Land $63,000 Building $333,900 | $443,727 (+10.63%) |
| 2025 | $4,344.00 (+9.39%) | $370,000 (+6.6%) Land $54,800 Building $315,200 | $401,090 |
| 2024 | $3,971.00 (+3.98%) | $347,100 (+9.6%) Land $54,800 Building $292,300 | |
| 2023 | $3,819.00 | $316,700 Land $54,800 Building $261,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 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 128 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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