Worcester County and Southbridge Town City property record for 20 Chartier Ln, Southbridge, MA 01550
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,240 sqft · built 1962 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (Jun 2025) |
| Tax Bill | $4,247 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SBRI M:0050 B:0120 L:00001 |
| Primary APN | SBRI M:0050 B:0120 L:00001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,240 sqft Living Area |
| Gross Area | 3,060 sqft |
| 1st Floor Area | 1,240 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3029 |
|---|---|
| Street Address | 20 CHARTIER LN |
| City | SOUTHBRIDGE |
| State | MA |
| Zip | 01550-1606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 120 |
| Legal Lot Number | 1 |
| Jurisdiction | SOUTHBRIDGE MA |
| Township / Civil Division | SOUTHBRIDGE TOWN |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 757100 |
Source: Worcester County and Southbridge Town City records, as of September 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 CHARTIER LN, SOUTHBRIDGE, MA 01550-1606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE COMPANY |
| Sep 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Jun 18, 2025 | Quit Claim Deed, Transfer · VA Mortgage GUILD MORTGAGE CO |
| Nov 13, 2019 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Dec 23, 2017 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2025 · Amount on Record |
| Deed Sale | Jun 18, 2025 · Amount on Record |
| Prior Sale | Jul 8, 2016 · Amount on Record |
| Deed Document Number | 202549488 |
| Deed Book / Page | 72138 / 122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOUTHBRIDGE MA |
| Recording Date | Aug 18, 2026 |
| Property Address | 20 CHARTIER LN, SOUTHBRIDGE, MA 01550-1606 |
| Document Number | 0000071424 |
| Book / Page | 74043 / 362 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 202671424 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 CHARTIER LN, SOUTHBRIDGE, MA 01550-1606 |
| Investor | Possibly a Property Investor |
| Document Number | 0000071424, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 74043/362 |
| Instrument | 202671424 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOUTHBRIDGE MA |
| Property Address | 20 CHARTIER LN, SOUTHBRIDGE, MA 01550-1606 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0066009-21 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 66009/21 |
| Instrument | 125746 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SOUTHBRIDGE MA |
| Recording Date | Jun 18, 2025 |
| Property Address | 20 CHARTIER LN, SOUTHBRIDGE, MA 01550-1606 |
| Document Number | 072138-122 |
| Book / Page | 72138 / 122 |
| Instrument Date | Jun 18, 2025 |
| Instrument | 49488 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 CHARTIER LN, SOUTHBRIDGE, MA 01550-1606 |
| Document Number | 0000049489 |
|---|---|
| Date | Jun 18, 2025 |
| Instrument | 49489 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOUTHBRIDGE MA |
| Property Address | 20 CHARTIER LN, SOUTHBRIDGE, MA 01550-1606 |
| Document Number | 61438-206 |
| Instrument Date | Nov 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20 CHARTIER LN SOUTHBRIDGE MA 015501606, SOUTHBRIDGE, MA 01550-1606 |
| Document Number | 61438-206 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 061438/000206 |
| Instrument | 123850 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOUTHBRIDGE MA |
| Property Address | 20 CHARTIER LN, SOUTHBRIDGE, MA 01550-1606 |
| Document Number | 58260-97 |
| Book / Page | 058260 / 000097 |
| Instrument Date | Dec 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 58260-97 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 058260/000097 |
| Instrument | 99 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 28, 2047 |
Source: Worcester County and Southbridge Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Southbridge Town City |
| Unified School District | Southbridge School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,247.00 (+10.25%) | $289,700 (+14.78%) Land $39,000 Building $250,700 | $321,195 (+23.89%) |
| 2024 | $3,852.00 (+4.28%) | $252,400 (+8.23%) Land $32,500 Building $219,900 | $259,255 |
| 2023 | $3,694.00 | $233,200 Land $32,500 Building $200,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SOUTHBRIDGE WATER DEPARTMENT serves 19,562 people · EPA ID MA2278000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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