18 Bay Path Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 18 Bay Path Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,021 sqft · built 2003
Lot Size	1.38 acres (60,113 sqft)
Owner	Individual Name on File
Last Sale	$552,000 (May 2023)
Tax Bill	$5,855 (2026)
Deeds & Mortgages	Sep 2024 Refinance May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0039 B:000A L:00011-2`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0039 B:000A L:00011-2`
Alternative APNs	`CHRL M:0039 B:000A L:00011-2` `M:0039 B:000A L:00011=2`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,021 sqft Living Area
Gross Area	3,948 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	18 BAY PATH RD
City	CHARLTON
State	MA
Zip	01507-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	A
Legal Lot Number	11-2
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	3
Census Block	3001
Census Tract	756102

Owner

18 Bay Path Rd is owned and occupied by an individual who bought it in May 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	18 BAY PATH RD, CHARLTON, MA 01507-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance UNION HOME MORTGAGE
May 25, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Jul 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2023 · Amount on File
Deed Sale	May 25, 2023 · Amount on File
Prior Sale	Jul 11, 2014 · Amount on File
Deed Book / Page	69173 / 224
Prior Transfer Date	May 24, 2023
Prior Transfer Doc	069173-224
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	18 BAY PATH RD, CHARLTON, MA 01507-1404
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070987-85
Date	Sep 5, 2024
Book Page	70987/85
Instrument	71991

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2044

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	May 25, 2023
Property Address	18 BAY PATH RD, CHARLTON, MA 01507-1404
Document Number	069173-224
Book / Page	69173 / 224
Instrument Date	May 24, 2023
Instrument	40297
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BAY PATH RD, CHARLTON, MA 01507-1404

Mortgage

Document Number	0000040298
Date	May 25, 2023
Instrument	40298

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	18 BAY PATH RD, CHARLTON, MA 01507-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62835-40
Date	Jul 20, 2020
Book Page	62835/40
Instrument	78277

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 18 Bay Path Rd was $5,855, up 1.8% from the year before.

Source: Worcester County and Charlton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Charlton Town
Unified School District	Dudley-Charlton Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,855.00 (+1.84%)	$535,200 (+3.62%) Land $84,100 Building $451,100	$567,390 (-7.73%)
2025	$5,749.00 (+6.92%)	$516,500 (+8.92%) Land $81,100 Building $435,400	$614,935 (+8.05%)
2024	$5,377.00 (+13.58%)	$474,200 (+21.9%) Land $78,100 Building $396,100	$569,145
2023	$4,734.00	$389,000 Land $75,100 Building $313,900

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

Flood

FEMA maps place 18 Bay Path Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2007

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 18 Bay Path 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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