Worcester County and Spencer Town property record for 130 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,778 sqft · built 1991 |
| Lot Size | 1.27 acres (55,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $251,000 (Jun 2016) |
| Tax Bill | $4,880 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R03 B:00005 L:00000 |
| Primary APN | SPEN M:00R03 B:00005 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,778 sqft Living Area |
| Gross Area | 3,216 sqft |
| Basement Area | 390 sqft |
| Unfinished Basement | 390 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 55,454 sqft (1.27 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 130 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 | 5 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 726100 |
130 E Charlton Rd is owned and occupied by two individuals who bought it in June 2016.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 130 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2016 · Amount on File |
| Deed Sale | Jun 9, 2016 · Amount on File |
| Prior Sale | Sep 15, 2009 · Amount on File |
| Deed Book / Page | 55454 / 38 |
| Transfer Doc | 0055454-38 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 130 E CHARLTON RD, SPENCER, MA 01562-3107 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0064664-47 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 64664/47 |
| Instrument | 34321 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2026 property tax bill for 130 E Charlton Rd was $4,880, up 9,859.2% 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 | $4,880.00 (+9,859.18%) | $444,400 (+5.06%) Land $64,100 Building $380,300 | $481,686 (+11.29%) |
| 2025 | $49.00 (-98.92%) | $423,000 (+6.66%) Land $55,800 Building $367,200 | $432,820 |
| 2024 | $4,537.00 (+4.85%) | $396,600 (+10.54%) Land $55,800 Building $340,800 | |
| 2023 | $4,327.00 | $358,800 Land $55,800 Building $303,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 130 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 130 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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