40 Bay Path Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 40 Bay Path Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,728 sqft · built 1982
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$89,000 (Sep 1996)
Tax Bill	$3,937 (2026)
Deeds & Mortgages	Nov 2019 Refinance Mar 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0039 B:000A L:00017-3`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0039 B:000A L:00017-3`
Alternative APNs	`CHRL M:0039 B:000A L:00017-3` `M:0039 B:000A L:00017=3`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	3,168 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,431 sqft (1.02 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 BAY PATH RD
City	CHARLTON
State	MA
Zip	01507-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	A
Legal Lot Number	17-3
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	3
Census Block	3001
Census Tract	756102

Owner

40 Bay Path Rd is owned and occupied by two individuals who bought it in September 1996.

Source: Worcester County and Charlton Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 BAY PATH RD, CHARLTON, MA 01507-1404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUALONE BANK
Mar 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUALONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 1996 · Amount on File
Deed Sale	Sep 12, 1996 · Amount on File
Deed Book / Page	18242 / 216
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	40 BAY PATH RD, CHARLTON, MA 01507-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61372-226
Date	Nov 6, 2019
Book Page	61372/226
Instrument	118825

Lender

Name	MUTUALONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	40 BAY PATH RD, CHARLTON, MA 01507-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62083-256
Date	Mar 23, 2020
Book Page	62083/256
Instrument	29701

Lender

Name	MUTUALONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 40 Bay Path Rd was $3,937, up 1.4% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,937.00 (+1.42%)	$359,900 (+3.18%) Land $78,600 Building $281,300	$465,624 (+15.95%)
2025	$3,882.00 (+3.33%)	$348,800 (+5.28%) Land $75,700 Building $273,100	$401,565 (+15.78%)
2024	$3,757.00 (+2.18%)	$331,300 (+9.67%) Land $72,900 Building $258,400	$346,845
2023	$3,677.00	$302,100 Land $70,100 Building $232,000

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

Flood

FEMA maps place 40 Bay Path Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2007

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

Wildfire risk around 40 Bay Path Rd is low, with a 0.01% annual chance of 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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