Middlesex County and Natick Town property record for 15 Charles St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,428 sqft · built 1950 |
| Lot Size | 0.264 acres (11,491 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Oct 2021) |
| Tax Bill | $8,580 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-00000174 |
| Primary APN | 35-00000174 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,428 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Lot Area | 11,491 sqft (0.264 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 35-00000174 |
|---|---|
| Street Address | 15 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 |
15 Charles St is owned and occupied by two individuals who bought it in October 2021.
Source: Middlesex County and Natick Town records, as of May 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 CHARLES ST, NATICK, MA 01760-2830 |
| 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 |
|---|---|
| Mar 19, 2021 | Deed of Trust, Mortgage · ARM NAVY FCU |
| Oct 29, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Jul 26, 2017 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on File |
| Deed Sale | Oct 29, 2021 · Amount on File |
| Prior Sale | Jun 30, 2015 · Amount on File |
| Deed Book / Page | 79028 / 249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 15 CHARLES ST, NATICK, MA 01760-2830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 077266-475 |
|---|---|
| Date | Mar 19, 2021 |
| Book Page | 77266/475 |
| Instrument | 61111 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.13% |
| Type Change Date | Apr 1, 2026 |
| Index | 5-Year CMT |
| Margin | 2 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Oct 29, 2021 |
| Property Address | 15 CHARLES ST, NATICK, MA 01760-2830 |
| Document Number | 79028-249 |
| Book / Page | 79028 / 249 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 237524 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 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 | 15 CHARLES ST, NATICK, MA 01760-2830 |
| Document Number | 237525 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 237525 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 15 CHARLES ST, NATICK, MA 01760-2830 |
| Document Number | 69723-262 |
| Book / Page | 069723 / 000262 |
| Instrument Date | Jul 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69723-262 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 069723/000262 |
| Instrument | 124344 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 2, 2057 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 15 Charles St was $8,580, 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 | $8,580.00 (+3.45%) | $717,400 (+6.05%) Land $453,400 Building $264,000 | $841,320 |
| 2024 | $8,294.00 (+1.17%) | $676,500 (+4.3%) Land $428,200 Building $248,300 | |
| 2023 | $8,198.00 | $648,600 Land $402,700 Building $245,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 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 15 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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