31 Charles St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 31 Charles St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,159 sqft · built 1951
Lot Size	0.269 acres (11,696 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Nov 2009)
Tax Bill	$7,447 (2025)
Deeds & Mortgages	Feb 2021 Refinance Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-00000168`

Property Details

APN / Parcel Number

Primary APN	`35-00000168`
Alternative APN	`NATI M:00000035 P:00000168`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,159 sqft Living Area
1st Floor Area	1,159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	11,696 sqft (0.269 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	35-00000168
Street Address	31 CHARLES ST
City	NATICK
State	MA
Zip	01760-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	2
Census Block	2008
Census Tract	382200

Owner

31 Charles St is owned and occupied by two individuals who bought it in November 2009.

Source: Middlesex County and Natick Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31 CHARLES ST, NATICK, MA 01760-2830
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

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2009 · Amount on File
Deed Sale	Nov 17, 2009 · Amount on File
Prior Sale	Jul 12, 2005 · Amount on File
Deed Document Number	2009221618
Deed Book / Page	53849 / 508
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	31 CHARLES ST, NATICK, MA 01760-2830
Transaction Type	Mortgage
Record Updated	Feb 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76931-131
Date	Feb 10, 2021
Book Page	76931/131
Instrument	30731

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	31 CHARLES ST, NATICK, MA 01760-2830
Document Number	70664-251
Instrument Date	Feb 21, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	70664-251
Date	Feb 26, 2018
Book Page	070664/000251
Instrument	25832

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 31 Charles St was $7,447, up 2.9% from the year before.

Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Natick Town
Unified School District	Natick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,447.00 (+2.86%)	$622,700 (+5.45%) Land $453,800 Building $168,900	$652,270
2024	$7,240.00 (+2.17%)	$590,500 (+5.33%) Land $428,600 Building $161,900
2023	$7,086.00	$560,600 Land $403,100 Building $157,500

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

Flood

FEMA maps place 31 Charles St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 31 Charles St is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T.

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