Worcester County and Spencer Town property record for 139 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,118 sqft · built 2002 |
| Lot Size | 2.28 acres (99,640 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Apr 2020) |
| Tax Bill | $5,178 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R04 B:00001 L:00007 |
| Primary APN | SPEN M:00R04 B:00001 L:00007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,118 sqft Living Area |
| Gross Area | 3,888 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 99,640 sqft (2.28 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 139 E CHARLTON RD |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-3109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Subdivision | LAND LLANNING INC |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 726100 |
139 E Charlton Rd is owned and occupied by an individual who bought it in April 2020.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 139 E CHARLTON RD, SPENCER, MA 01562-3109 |
| 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 |
|---|---|
| Jan 13, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Sep 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Apr 22, 2020 | Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Jul 2, 2019 | Deed of Trust, Mortgage · Line of Credit MILLBURY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2020 · Amount on File |
| Deed Sale | Apr 22, 2020 · Amount on File |
| Prior Sale | Sep 17, 2010 · Amount on File |
| Deed Document Number | 202040282 |
| Deed Book / Page | 62255 / 37 |
| Prior Transfer Date | Apr 10, 2020 |
| Prior Transfer Doc | 62255-37 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 139 E CHARLTON RD, SPENCER, MA 01562-3109 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0068718-30 |
|---|---|
| Date | Jan 13, 2023 |
| Book Page | 68718/30 |
| Instrument | 3656 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 139 E CHARLTON RD, SPENCER, MA 01562-3109 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66022-148 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 66022/148 |
| Instrument | 126646 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Apr 22, 2020 |
| Property Address | 139 E CHARLTON RD, SPENCER, MA 01562-3109 |
| Document Number | 62255-37 |
| Book / Page | 62255 / 37 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 40282 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | 139 E CHARLTON RD, SPENCER, MA 01562-3109 |
| Document Number | 40283 |
|---|---|
| Date | Apr 22, 2020 |
| Instrument | 40283 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 139 E CHARLTON RD, SPENCER, MA 01562-3109 |
| Document Number | 60668-221 |
| Instrument Date | Jul 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 139 E CHARLTON RD SPENCER MA 015623109, SPENCER, MA 01562-3109 |
| Document Number | 60668-221 |
|---|---|
| Date | Jul 8, 2019 |
| Book Page | 060668/000221 |
| Instrument | 64575 |
| Name | MILLBURY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 139 E Charlton Rd was $5,178, up 9,857.7% 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 | $5,178.00 (+9,857.69%) | $471,600 (+6.22%) Land $58,300 Building $413,300 | $518,808 (+13.44%) |
| 2025 | $52.00 (-98.94%) | $444,000 (+3.64%) Land $51,100 Building $392,900 | $457,330 |
| 2024 | $4,901.00 (+6.52%) | $428,400 (+12.29%) Land $51,100 Building $377,300 | |
| 2023 | $4,601.00 | $381,500 Land $51,100 Building $330,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 139 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 139 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 32 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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