237 Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 237 Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,995 sqft · built 1974
Lot Size	0.797 acres (34,700 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Dec 2017)
Tax Bill	$5,587 (2026)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R08 B:00017 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R08 B:00017 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,995 sqft Living Area
Gross Area	4,292 sqft
Basement Area	920 sqft
Unfinished Basement	920 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,700 sqft (0.797 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	237 CHARLTON RD
City	SPENCER
State	MA
Zip	01562-2808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	SPENCER
Legal Block	17
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3008
Census Tract	726100

Owner

237 Charlton Rd is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	237 CHARLTON RD, SPENCER, MA 01562-2808
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2017 · Amount on File
Deed Sale	Dec 26, 2017 · Amount on File
Prior Sale	Jul 10, 2002 · Amount on File
Deed Book / Page	58240 / 152
Transfer Doc	058240-152
Record Updated	Oct 29, 2026

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Dec 26, 2017
Property Address	237 CHARLTON RD, SPENCER, MA 01562-2808
Document Number	58240-152
Book / Page	58240 / 152
Instrument	144436
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37.49
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 CHARLTON RD, SPENCER, MA 01562-2808

Mortgage

Document Number	582400155
Date	Dec 26, 2017
Instrument	58240/0155

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 237 Charlton Rd was $5,587, up 9,876.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,587.00 (+9,876.79%)	$508,800 (+5.23%) Land $59,700 Building $449,100	$503,208 (+29.67%)
2025	$56.00 (-98.94%)	$483,500 (+5.15%) Land $51,900 Building $431,600	$388,075
2024	$5,260.00 (+6.2%)	$459,800 (+11.96%) Land $51,900 Building $407,900
2023	$4,953.00	$410,700 Land $51,900 Building $358,800

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

Flood

FEMA maps place 237 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

Wildfire risk around 237 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 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

May also be available: T-Mobile.

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