33 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 33 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,384 sqft · built 1971
Lot Size	3.67 acres (160,188 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Aug 2013)
Tax Bill	$5,543 (2026)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R17 B:00013 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R17 B:00013 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,384 sqft Living Area
Gross Area	5,304 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	160,188 sqft (3.67 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	33 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-2729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	13
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2004
Census Tract	726100

Owner

Source: Worcester County and Spencer 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 Record
Mailing Address	33 E CHARLTON RD, SPENCER, MA 01562-2729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Nov 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Sep 24, 2018	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Apr 20, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2013 · Amount on Record
Deed Sale	Aug 15, 2013 · Amount on Record
Prior Sale	Aug 15, 2013 · Amount on Record
Deed Book / Page	51357 / 68
Transfer Doc	58693-97
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	33 E CHARLTON RD, SPENCER, MA 01562-2729
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066441-350
Date	Nov 2, 2021
Book Page	66441/350
Instrument	154230

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	33 E CHARLTON RD, SPENCER, MA 01562-2729
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66441-350
Date	Nov 2, 2021
Book Page	66441/350
Instrument	154230

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	33 E CHARLTON RD, SPENCER, MA 01562-2729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59446-1
Date	Sep 24, 2018
Book Page	59446/1
Instrument	100752

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Apr 20, 2018
Property Address	33 E CHARLTON RD, SPENCER, MA 01562-2729
Document Number	58693-97
Book / Page	058693 / 000097
Instrument Date	Apr 20, 2018
Instrument	37114
Transaction Type	Transfer
Record Updated	May 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 E CHARLTON RD SPENCER MA 015622729, SPENCER, MA 01562-2729

Tax Assessment & Valuation

Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,543.00 (+4.47%)	$504,800 (+11.68%) Land $72,900 Building $431,900	$541,126 (+13.9%)
2025	$5,306.00 (+9.38%)	$452,000 (+6.6%) Land $64,500 Building $387,500	$475,095
2024	$4,851.00 (+3.7%)	$424,000 (+9.31%) Land $64,500 Building $359,500
2023	$4,678.00	$387,900 Land $64,500 Building $323,400

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 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	3 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

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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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