31 Main St, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 31 Main St, Charlton, MA 01507

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4 bd · 2.5 ba · 2,442 sqft · built 1929
Lot Size	0.313 acres (13,656 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Apr 2013)
Tax Bill	$4,923 (2025)
Deeds & Mortgages	Jul 2021 Refinance Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:042A B:000B L:0000009`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:042A B:000B L:0000009`
Alternative APN	`CHRL M:042A B:000B L:0000009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,442 sqft Total Area
Gross Area	3,789 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	13,656 sqft (0.313 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	31 MAIN ST
City	CHARLTON
State	MA
Zip	01507-1357
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	V
Legal Subdivision	HALL DAVID CO
Legal Block	B
Legal Lot Number	9
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	3
Census Block	3015
Census Tract	756102

Owner

Source: Worcester County and Charlton Town records · APN CHAR M:042A B:000B L:0000009

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	31 MAIN ST, CHARLTON, MA 01507-1357
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SAVERS COOPERATIVE BANK
Jan 02, 2018	Deed of Trust, Mortgage SAVERS COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 19, 2013 · Amount on Record
Deed Sale	Apr 19, 2013 · Amount on Record
Prior Sale	Apr 19, 2013 · Amount on Record
Deed Book / Page	50757 / 397
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	31 MAIN ST, CHARLTON, MA 01507-1357
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065659-83
Date	Jul 21, 2021
Book Page	65659/83
Instrument	101409

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 01, 2041

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	31 MAIN ST, CHARLTON, MA 01507-1357
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58272-353
Date	Jan 02, 2018
Book Page	58272/353
Instrument	170

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 01, 2033

Tax Assessment & Valuation

Source: Worcester County and Charlton Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,923.00 (+2.37%)	$442,300 (+4.29%) Land $72,600 Building $369,700	$454,005 (+30.22%)
2024	$4,809.00 (+2.04%)	$424,100 (+9.5%) Land $72,600 Building $351,500	$348,650
2023	$4,713.00	$387,300 Land $70,200 Building $317,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277561023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Charlton Center Historic District listed 1995 · 49 contributing resources · NRIS 95001227

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 63 locations within half a mile of this property.

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