29 Roy Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 29 Roy Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 768 sqft · built 1946
Lot Size	0.992 acres (43,198 sqft)
Owner	Individual Name on File
Last Sale	$109,000 (May 2019)
Tax Bill	$3,398 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:020A B:000F L:0000002`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:020A B:000F L:0000002`
Alternative APN	`CHRL M:020A B:000F L:0000002`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	1,536 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,198 sqft (0.992 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	29 ROY RD
City	CHARLTON
State	MA
Zip	01507-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	F
Legal Lot Number	2
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	1
Census Block	1012
Census Tract	756102

Owner

29 Roy Rd is owned and occupied by an individual who bought it in May 2019.

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	29 ROY RD, CHARLTON, MA 01507-1638
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jun 27, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
May 26, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 14, 2019	Quit Claim Deed, Transfer · VA Mortgage JG WENTWORTH HM LNDG
Jan 12, 2018	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2019 · Amount on File
Deed Sale	May 14, 2019 · Amount on File
Prior Sale	Jan 12, 2018 · Amount on File
Deed Document Number	201943042
Deed Book / Page	60401 / 193
Prior Transfer Date	Feb 28, 2019
Prior Transfer Doc	60401-193
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	29 ROY RD, CHARLTON, MA 01507-1638
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073150-101
Date	Feb 2, 2026
Book Page	73150/101
Instrument	8105

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	29 ROY RD, CHARLTON, MA 01507-1638
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064466-238
Date	Feb 16, 2021
Book Page	64466/238
Instrument	21655

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Mar 1, 2049

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	29 ROY RD, CHARLTON, MA 01507-1638
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069303-123
Date	Jun 27, 2023
Book Page	69303/123
Instrument	50364

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	29 ROY RD, CHARLTON, MA 01507-1638
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	062455-164
Date	May 26, 2020
Book Page	62455/164
Instrument	53034

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jun 1, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	May 14, 2019
Property Address	29 ROY RD, CHARLTON, MA 01507-1638
Document Number	60401-193
Book / Page	060401 / 000193
Instrument Date	Feb 28, 2019
Instrument	43042
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$497.04
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 ROY RD CHARLTON MA 015071638, CHARLTON, MA 01507-1638

Mortgage

Document Number	60401-197
Date	May 14, 2019
Book Page	060401/000197
Instrument	43043

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2049

January 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHARLTON MA
Recording Date	Jan 12, 2018
Property Address	29 ROY RD, CHARLTON, MA 01507-1638
Document Number	58311-6
Book / Page	058311 / 000006
Instrument Date	Dec 28, 2017
Instrument	3711
Transaction Type	Foreclosure
Record Updated	Jan 30, 2018

Transaction

Amount	Amount on Record
Tax	$583.68
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	9990 RICHMOND AVE #400S HOUSTON TX 770428500, 400S, HOUSTON, TX 77042-8500

Tax Assessment & Valuation

The 2026 property tax bill for 29 Roy Rd was $3,398, up 4.1% 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	$3,398.00 (+4.11%)	$310,600 (+5.9%) Land $86,500 Building $224,100	$306,329 (+8.61%)
2025	$3,264.00 (+23.22%)	$293,300 (+25.56%) Land $83,700 Building $209,600	$282,055
2024	$2,649.00 (+1.22%)	$233,600 (+8.65%) Land $83,700 Building $149,900
2023	$2,617.00	$215,000 Land $80,900 Building $134,100

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

Flood

FEMA maps place 29 Roy Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · tidal / storm surge

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 29 Roy 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 50 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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