43 Charles St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 43 Charles St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,629 sqft · built 1950
Lot Size	0.266 acres (11,591 sqft)
Owner	2 Individual Names on Record
Last Sale	$896,500 (Feb 2026)
Tax Bill	$7,751 (2025)
Deeds & Mortgages	May 2025 Line of Credit Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-00000075`

Property Details

APN / Parcel Number

Primary APN	`27-00000075`
Alternative APN	`NATI M:00000027 P:00000075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,629 sqft Living Area
1st Floor Area	1,042 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,591 sqft (0.266 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	27-00000075
Street Address	43 CHARLES ST
City	NATICK
State	MA
Zip	01760-2830
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	2008
Census Tract	382200

Owner

Source: Middlesex County and Natick Town records, as of June 30, 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	43 CHARLES ST, NATICK, MA 01760-2830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 29, 2025	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Feb 26, 2026	Quit Claim Deed, Transfer LEADER BANK NA
May 28, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	May 28, 2021 · Amount on Record
Deed Document Number	202621139
Deed Book / Page	85274 / 401
Prior Transfer Date	Feb 21, 2026
Prior Transfer Doc	085274-401
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	43 CHARLES ST, NATICK, MA 01760-2830
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084148-148
Date	May 29, 2025
Book Page	84148/148
Instrument	58726

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Feb 26, 2026
Property Address	43 CHARLES ST, NATICK, MA 01760-2830
Document Number	085274-401
Book / Page	85274 / 401
Instrument Date	Feb 21, 2026
Instrument	21139
Transaction Type	Transfer
Record Updated	Mar 18, 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	43 CHARLES ST, NATICK, MA 01760-2830

Mortgage

Document Number	0000021140
Date	Feb 26, 2026
Instrument	21140

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	May 28, 2021
Property Address	43 CHARLES ST, NATICK, MA 01760-2830
Document Number	77886-561
Book / Page	77886 / 561
Instrument Date	May 28, 2021
Instrument	121598
Transaction Type	Transfer
Record Updated	Jun 11, 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
Relationship	Tenants by the Entirety
Address	43 CHARLES ST, NATICK, MA 01760-2830

Mortgage

Document Number	121599
Date	May 28, 2021
Instrument	121599

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$7,751.00 (+3.62%)	$648,100 (+6.23%) Land $453,600 Building $194,500	$842,935
2024	$7,480.00 (+1.98%)	$610,100 (+5.14%) Land $428,400 Building $181,700
2023	$7,335.00	$580,300 Land $402,900 Building $177,400

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 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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