32 Charles St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 32 Charles St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,652 sqft · built 1957
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,550,000 (Aug 2025)
Tax Bill	$15,454 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Nov 2024 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-00000184`

Property Details

APN / Parcel Number

Primary APN	`35-00000184`
Alternative APN	`NATI M:00000035 P:00000184`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,652 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Lot Area	9,801 sqft (0.225 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	35-00000184
Street Address	32 CHARLES ST
City	NATICK
State	MA
Zip	01760-2827
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	2007
Census Tract	382200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	32 CHARLES ST, NATICK, MA 01760-2827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Line of Credit MUTUALONE BANK
Nov 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUALONE BANK
Aug 12, 2025	Quit Claim Deed, Transfer · Conventional Mortgage M & T BANK
Oct 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUALONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2025 · Amount on Record
Deed Sale	Aug 12, 2025 · Amount on Record
Prior Sale	Jan 15, 2014 · Amount on Record
Deed Book / Page	84480 / 142
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	32 CHARLES ST, NATICK, MA 01760-2827
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079429-328
Date	Dec 27, 2021
Book Page	79429/328
Instrument	278082

Lender

Name	MUTUALONE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	32 CHARLES ST, NATICK, MA 01760-2827
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083461-482
Date	Nov 12, 2024
Book Page	83461/482
Instrument	129011

Lender

Name	MUTUALONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2044

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Aug 12, 2025
Property Address	32 CHARLES ST, NATICK, MA 01760-2827
Document Number	084480-142
Book / Page	84480 / 142
Instrument Date	Aug 12, 2025
Instrument	96010
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	32 CHARLES ST, NATICK, MA 01760-2827

Mortgage

Document Number	0000096011
Date	Aug 12, 2025
Instrument	96011

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Sep 1, 2035
Index	Other
Margin	3

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	32 CHARLES ST, NATICK, MA 01760-2827
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	075847-107
Date	Oct 9, 2020
Book Page	75847/107
Instrument	183089

Lender

Name	MUTUALONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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	$15,454.00 (+14.82%)	$1,292,100 (+17.7%) Land $447,800 Building $844,300	$1,619,845
2024	$13,459.00 (+4.41%)	$1,097,800 (+7.65%) Land $422,900 Building $674,900
2023	$12,890.00	$1,019,800 Land $398,000 Building $621,800

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

Flood

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

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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