138 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 138 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 990 sqft · built 1989
Lot Size	1.03 acres (45,000 sqft)
Owner	Individual Name on File
Tax Bill	$3,630 (2026)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R03 B:00001 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R03 B:00001 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	990 sqft Living Area
Gross Area	2,080 sqft
Basement Area	990 sqft
Unfinished Basement	990 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,000 sqft (1.03 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	138 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	1
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3012
Census Tract	726100

Owner

138 E Charlton Rd is owned and occupied by an individual who acquired it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	138 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	Jun 25, 2021
Deed Sale	Jun 25, 2021
Prior Sale	Jun 30, 1995 · Amount on File
Prior Transfer Date	Jun 21, 2021
Prior Transfer Doc	0065477-89
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jun 25, 2021
Property Address	138 E CHARLTON RD, SPENCER, MA 01562-3107
Document Number	0065477-85
Book / Page	65477 / 85
Instrument Date	Jun 21, 2021
Instrument	88764
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E CHARLTON RD, SPENCER, MA 01562-3107

Mortgage

Document Number	0065477-89
Date	Jun 25, 2021
Book Page	65477/89
Instrument	88765

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 138 E Charlton Rd was $3,630, up 9,710.8% 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	$3,630.00 (+9,710.81%)	$330,600 (+3.41%) Land $62,600 Building $268,000	$353,453 (-7.79%)
2025	$37.00 (-98.91%)	$319,700 (+8.12%) Land $54,500 Building $265,200	$383,325
2024	$3,383.00 (+4.93%)	$295,700 (+10.62%) Land $54,500 Building $241,200
2023	$3,224.00	$267,300 Land $54,500 Building $212,800

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

Flood

FEMA maps place 138 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 138 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