39 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 39 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,092 sqft · built 1954
Lot Size	3.01 acres (131,438 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Dec 2016)
Tax Bill	$3,661 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R17 B:00014 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R17 B:00014 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,842 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,438 sqft (3.01 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	39 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	14
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	39 E CHARLTON RD, SPENCER, MA 01562-2809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit UMASSFIVE COLLEGE FEDERAL CREDIT UNION
Mar 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORCESTER FIRE DEPT CREDIT UNION
Jul 14, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORCESTER FIRE DEPT CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2016 · Amount on Record
Deed Sale	Dec 30, 2016 · Amount on Record
Deed Document Number	2016151537
Deed Book / Page	56554 / 37
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	Jul 7, 2026
Property Address	39 E CHARLTON RD, SPENCER, MA 01562-2809
Document Number	0000056302
Book / Page	73833 / 223
Instrument Date	Jul 1, 2026
Instrument	202656302
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 E CHARLTON RD, SPENCER, MA 01562-2809

Mortgage

Document Number	0000056302,
Date	Jul 7, 2026
Book Page	73833/223
Instrument	202656302

Lender

Name	UMASSFIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	39 E CHARLTON RD, SPENCER, MA 01562-2809
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064700-374
Date	Mar 17, 2021
Book Page	64700/374
Instrument	36721

Lender

Name	WORCESTER FIRE DEPT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	39 E CHARLTON RD, SPENCER, MA 01562-2809
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067908-85
Date	Jul 14, 2022
Book Page	67908/85
Instrument	77092

Lender

Name	WORCESTER FIRE DEPT CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

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	$3,661.00 (+9,534.21%)	$333,400 (+1.28%) Land $70,500 Building $262,900	$347,072 (-7.53%)
2025	$38.00 (-98.93%)	$329,200 (+6.54%) Land $62,100 Building $267,100	$375,345
2024	$3,535.00 (+6.7%)	$309,000 (+12.49%) Land $62,100 Building $246,900
2023	$3,313.00	$274,700 Land $62,100 Building $212,600

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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