26 Bay Path Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 26 Bay Path Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,032 sqft · built 1980
Lot Size	5.95 acres (259,182 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Sep 2025)
Tax Bill	$4,000 (2026)
Deeds & Mortgages	Jul 2022 Refinance Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0039 B:000A L:00011-1`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0039 B:000A L:00011-1`
Alternative APNs	`CHRL M:0039 B:000A L:00011-1` `M:0039 B:000A L:00011=1`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
Gross Area	2,430 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	259,182 sqft (5.95 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	26 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	11-1
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	3
Census Block	3001
Census Tract	756102

Owner

26 Bay Path Rd is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	26 BAY PATH RD, CHARLTON, MA 01507-1404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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

Date	Document
Jul 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Aug 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Jun 11, 2025	Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK
Sep 3, 2025	Quit Claim Deed, Transfer · Conventional Mortgage MILLBURY CU
Aug 2, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CORNERSTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2025 · Amount on File
Deed Sale	Sep 3, 2025 · Amount on File
Prior Sale	Aug 2, 2019 · Amount on File
Deed Document Number	202574837
Deed Book / Page	72484 / 148
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	26 BAY PATH RD, CHARLTON, MA 01507-1404
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067919-348
Date	Jul 15, 2022
Book Page	67919/348
Instrument	77947

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2042

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	26 BAY PATH RD, CHARLTON, MA 01507-1404
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065899-197
Date	Aug 24, 2021
Book Page	65899/197
Instrument	118493

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	26 BAY PATH RD, CHARLTON, MA 01507-1404
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072106-196
Date	Jun 11, 2025
Book Page	72106/196
Instrument	47114

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Sep 3, 2025
Property Address	26 BAY PATH RD, CHARLTON, MA 01507-1404
Document Number	072484-148
Book / Page	72484 / 148
Instrument Date	Sep 3, 2025
Instrument	74837
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	26 BAY PATH RD, CHARLTON, MA 01507-1404

Mortgage

Document Number	0000074838
Date	Sep 3, 2025
Instrument	74838

Lender

Name	MILLBURY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Aug 2, 2019
Property Address	26 BAY PATH RD, CHARLTON, MA 01507-1404
Document Number	60823-53
Book / Page	60823 / 53
Instrument Date	Jul 24, 2019
Instrument	76745
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	$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	26 BAY PATH RD, CHARLTON, MA 01507-1404

Mortgage

Document Number	76746
Date	Aug 2, 2019
Instrument	76746

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 26 Bay Path Rd was $4,000, up 7.7% 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	$4,000.00 (+7.67%)	$365,600 (+9.53%) Land $108,000 Building $257,600	$401,651 (+4.6%)
2025	$3,715.00 (+4.41%)	$333,800 (+6.37%) Land $105,000 Building $228,800	$383,990 (+13.32%)
2024	$3,558.00 (+3.43%)	$313,800 (+11%) Land $100,900 Building $212,900	$338,865
2023	$3,440.00	$282,700 Land $91,000 Building $191,700

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

Flood

FEMA maps place 26 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 26 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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