38 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 38 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,270 sqft · built 1900
Lot Size	6.33 acres (276,058 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Feb 2019)
Tax Bill	$4,917 (2026)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R14 B:00053 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R14 B:00053 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,270 sqft Living Area
Gross Area	3,621 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	276,058 sqft (6.33 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	38 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-2731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	53
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3008
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	38 E CHARLTON RD, SPENCER, MA 01562-2731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2019 · Amount on Record
Deed Sale	Feb 28, 2019 · Amount on Record
Prior Sale	Oct 4, 2013
Deed Book / Page	60094 / 185
Prior Transfer Date	Feb 20, 2019
Prior Transfer Doc	60094-185
Record Updated	Oct 29, 2026

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Feb 28, 2019
Property Address	38 E CHARLTON RD, SPENCER, MA 01562-2731
Document Number	60094-185
Book / Page	60094 / 185
Instrument Date	Feb 20, 2019
Instrument	17867
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	38 E CHARLTON RD, SPENCER, MA 01562-2731

Mortgage

Document Number	17868
Date	Feb 28, 2019
Instrument	17868

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,917.00 (+9,934.69%)	$447,800 (+6.04%) Land $82,200 Building $365,600	$474,954 (+5.12%)
2025	$49.00 (-98.98%)	$422,300 (+0.38%) Land $73,800 Building $348,500	$451,820
2024	$4,813.00 (+5.62%)	$420,700 (+11.33%) Land $73,800 Building $346,900
2023	$4,557.00	$377,900 Land $73,800 Building $304,100

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	1 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 37 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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