Middlesex County and Natick Town property record for 13 Charles St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,460 sqft · built 1948 |
| Lot Size | 0.259 acres (11,291 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $625,000 (May 2017) |
| Tax Bill | $8,566 (2025) |
| Deeds & Mortgages | Jun 2021 Refinance Jan 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-00000175 |
| Primary APN | 35-00000175 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,460 sqft Living Area |
| 1st Floor Area | 834 sqft |
| Basement Area | 834 sqft |
| Unfinished Basement | 834 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Lot Area | 11,291 sqft (0.259 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 35-00000175 |
|---|---|
| Street Address | 13 CHARLES ST |
| City | NATICK |
| State | MA |
| Zip | 01760-2830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSA |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 382200 |
13 Charles St is owned and occupied by two individuals who bought it in May 2017.
Source: Middlesex County and Natick Town records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13 CHARLES ST, NATICK, MA 01760-2830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jun 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Jan 17, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage CENTURY BANK & TRUST CO |
| May 31, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2017 · Amount on File |
| Deed Sale | May 31, 2017 · Amount on File |
| Prior Sale | May 18, 2005 · Amount on File |
| Deed Book / Page | 69361 / 264 |
| Transfer Doc | 069361-264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 13 CHARLES ST, NATICK, MA 01760-2830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078060-141 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 78060/141 |
| Instrument | 139585 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 13 CHARLES ST, NATICK, MA 01760-2830 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 68764-556 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 68764/556 |
| Instrument | 8263 |
| Name | CENTURY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | May 31, 2017 |
| Property Address | 13 CHARLES ST, NATICK, MA 01760-2830 |
| Document Number | 69361-264 |
| Book / Page | 069361 / 000264 |
| Instrument Date | May 22, 2017 |
| Instrument | 80985 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,850.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13 CHARLES ST NATICK MA 017602830, NATICK, MA 01760-2830 |
| Document Number | 69361-267 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 069361/000267 |
| Instrument | 80986 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2047 |
| Rate | 3.25% |
|---|
The 2025 property tax bill for 13 Charles St was $8,566, up 3.5% from the year before.
Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Natick Town |
| Unified School District | Natick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,566.00 (+3.47%) | $716,200 (+6.06%) Land $452,900 Building $263,300 | $881,695 |
| 2024 | $8,279.00 (+1.12%) | $675,300 (+4.26%) Land $427,800 Building $247,500 | |
| 2023 | $8,187.00 | $647,700 Land $402,300 Building $245,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Charles St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 13 Charles St is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 399 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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