Worcester County and Charlton Town property record for 3 Stephens Dr, Charlton, MA 01507
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,268 sqft · built 1975 |
| Lot Size | 1.47 acres (64,033 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,246 (2026) |
| Deeds & Mortgages | Jul 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | CHAR M:016A B:000B L:0000018 |
| Primary APN | CHAR M:016A B:000B L:0000018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,268 sqft Living Area |
| Gross Area | 5,042 sqft |
| Basement Area | 1,904 sqft |
| Finished Basement | 952 sqft |
| Unfinished Basement | 952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 64,033 sqft (1.47 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating Fuel | Electric |
|---|
| Street Address | 3 STEPHENS DR |
|---|---|
| City | CHARLTON |
| State | MA |
| Zip | 01507-5349 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Block | B |
| Legal Lot Number | 18 |
| Jurisdiction | CHARLTON MA |
| Township / Civil Division | CHARLTON |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 756101 |
3 Stephens Dr, a single family home, is owned by two individuals.
Source: Worcester County and Charlton Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1127, CHARLTON CITY, MA 01508-1127 |
| Owner Type | Individual |
| Vesting | Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLTON MA |
| Property Address | 3 STEPHENS DR, CHARLTON, MA 01507 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069362-159 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | 69362/159 |
| Instrument | 54657 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2048 |
The 2026 property tax bill for 3 Stephens Dr was $5,246, up 2.2% from the year before.
Source: Worcester County and Charlton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Charlton Town |
| Unified School District | Dudley-Charlton Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,246.00 (+2.18%) | $479,500 (+3.95%) Land $129,500 Building $350,000 | $531,364 (+1.46%) |
| 2025 | $5,134.00 (+3.63%) | $461,300 (+5.58%) Land $123,500 Building $337,800 | $523,735 (+7.99%) |
| 2024 | $4,954.00 (+5.29%) | $436,900 (+13.01%) Land $117,500 Building $319,400 | $484,975 |
| 2023 | $4,705.00 | $386,600 Land $105,300 Building $281,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Stephens Dr 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 | 4 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 risk around 3 Stephens Dr 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.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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