Middlesex County and Natick Town property record for 14 Charles St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,184 sqft · built 1942 |
| Lot Size | 0.158 acres (6,896 sqft) |
| Owner | Individual Name on File |
| Last Sale | $449,900 (Jun 2015) |
| Tax Bill | $8,480 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jul 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-00000176 |
| Primary APN | 35-00000176 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,184 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Lot Area | 6,896 sqft (0.158 acres) |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 35-00000176 |
|---|---|
| Street Address | 14 CHARLES ST |
| City | NATICK |
| State | MA |
| Zip | 01760-2827 |
| 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 | 2007 |
| Census Tract | 382200 |
14 Charles St is owned and occupied by an individual who acquired it in August 2022.
Source: Middlesex County and Natick Town records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 CHARLES ST, NATICK, MA 01760-2827 |
| 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 |
|---|---|
| Aug 26, 2022 | Quit Claim Deed, Transfer · ARM VILLAGE BANK |
| Jul 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE |
| Jun 29, 2017 | Deed of Trust, Mortgage · Line of Credit METRO CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2015 · Amount on File |
| Deed Sale | Jun 5, 2015 · Amount on File |
| Deed Book / Page | 65494 / 49 |
| Last Transfer Date | Aug 22, 2022 |
| Transfer Doc | 0080637-57 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Aug 26, 2022 |
| Property Address | 14 CHARLES ST, NATICK, MA 01760-2827 |
| Document Number | 0080637-53 |
| Book / Page | 80637 / 53 |
| Instrument Date | Aug 22, 2022 |
| Instrument | 131468 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 CHARLES ST, NATICK, MA 01760-2827 |
| Document Number | 0000131469 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 131469 |
| Name | VILLAGE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.13% |
| Type Change Date | Sep 1, 2029 |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 14 CHARLES ST, NATICK, MA 01760-2827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75065-313 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 75065/313 |
| Instrument | 109014 |
| Name | GUARANTY HOME MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 14 CHARLES ST, NATICK, MA 01760-2827 |
| Document Number | 69553-65 |
| Book / Page | 069553 / 000065 |
| Instrument Date | Jun 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69553-65 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 069553/000065 |
| Instrument | 103588 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 4, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 14 Charles St was $8,480, up 3.4% 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 | $8,480.00 (+3.39%) | $709,000 (+5.98%) Land $415,100 Building $293,900 | $813,295 |
| 2024 | $8,202.00 (+3.43%) | $669,000 (+6.63%) Land $392,000 Building $277,000 | |
| 2023 | $7,930.00 | $627,400 Land $369,000 Building $258,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 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 14 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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