44 Smith Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 44 Smith Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,068 sqft · built 1988
Lot Size	2.86 acres (124,582 sqft)
Owner	2 Individual Names on File
Last Sale	$424,900 (Sep 2018)
Tax Bill	$6,757 (2026)
Deeds & Mortgages	Jul 2020 Refinance Aug 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0007 B:000A L:00005-7`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0007 B:000A L:00005-7`
Alternative APNs	`CHRL M:0007 B:000A L:00005-7` `M:0007 B:000A L:00005=7`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,068 sqft Living Area
Gross Area	6,069 sqft
Basement Area	1,484 sqft
Unfinished Basement	1,484 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	124,582 sqft (2.86 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	44 SMITH RD
City	CHARLTON
State	MA
Zip	01507-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	A
Legal Lot Number	5-7
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	1
Census Block	1000
Census Tract	756102

Owner

44 Smith Rd is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 SMITH RD, CHARLTON, MA 01507-1618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINT MORTGAGE INC
Aug 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINT MORTGAGE INC
Sep 24, 2018	Quit Claim Deed, Transfer NORTHPOINT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2018 · Amount on File
Deed Sale	Sep 24, 2018 · Amount on File
Prior Sale	Jun 13, 1997 · Amount on File
Deed Book / Page	59448 / 60
Transfer Doc	0059448-60
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	44 SMITH RD, CHARLTON, MA 01507-1618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62880-373
Date	Jul 27, 2020
Book Page	62880/373
Instrument	81211

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	44 SMITH RD, CHARLTON, MA 01507-1618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60925-306
Date	Aug 23, 2019
Book Page	60925/306
Instrument	84824

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

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

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Sep 24, 2018
Property Address	44 SMITH RD, CHARLTON, MA 01507-1618
Document Number	59448-60
Book / Page	59448 / 60
Instrument	100969
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	594480063
Date	Sep 24, 2018
Instrument	59448/0063

Lender

Name	NORTHPOINT MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 44 Smith Rd was $6,757, up 1.7% 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	$6,757.00 (+1.73%)	$617,600 (+3.49%) Land $124,800 Building $492,800	$655,956 (-1.35%)
2025	$6,642.00 (+3.49%)	$596,800 (+5.44%) Land $118,800 Building $478,000	$664,905 (+8.41%)
2024	$6,418.00 (+1.99%)	$566,000 (+9.46%) Land $112,400 Building $453,600	$613,320
2023	$6,293.00	$517,100 Land $110,200 Building $406,900

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

Flood

FEMA maps place 44 Smith Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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	4 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · tidal / storm surge

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 44 Smith 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures