45 Bay Path Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 45 Bay Path Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,120 sqft · built 1960
Lot Size	0.97 acres (42,253 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Apr 2021)
Tax Bill	$4,501 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0038 B:000D L:0000013`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0038 B:000D L:0000013`
Alternative APN	`CHRL M:0038 B:000D L:0000013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	3,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,253 sqft (0.97 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 BAY PATH RD
City	CHARLTON
State	MA
Zip	01507-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	D
Legal Lot Number	13
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	3
Census Block	3004
Census Tract	756102

Owner

45 Bay Path Rd is owned and occupied by an individual who acquired it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	45 BAY PATH RD, CHARLTON, MA 01507-1403
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 6, 2023	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Sep 23, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 24, 2017	Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2021 · Amount on File
Deed Sale	Apr 29, 2021 · Amount on File
Prior Sale	Mar 20, 2015 · Amount on File
Deed Book / Page	65044 / 284
Last Transfer Date	Aug 23, 2022
Transfer Doc	068255-348
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	45 BAY PATH RD, CHARLTON, MA 01507-1403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00069962-4
Date	Dec 6, 2023
Book Page	69962/4
Instrument	101986

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	45 BAY PATH RD, CHARLTON, MA 01507-1403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072622-33
Date	Oct 2, 2025
Book Page	72622/33
Instrument	84917

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Sep 23, 2022
Property Address	45 BAY PATH RD, CHARLTON, MA 01507-1403
Document Number	068255-348
Book / Page	68255 / 348
Instrument Date	Aug 23, 2022
Instrument	104563
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BAY PATH RD, CHARLTON, MA 01507-1403

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Apr 29, 2021
Property Address	45 BAY PATH RD, CHARLTON, MA 01507-1403
Document Number	65044-284
Book / Page	65044 / 284
Instrument Date	Apr 29, 2021
Instrument	58741
Transaction Type	Transfer
Record Updated	May 14, 2021

Transaction

Amount	Amount on Record
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	45 BAY PATH RD, CHARLTON, MA 01507-1403

Mortgage

Document Number	58742
Date	Apr 29, 2021
Instrument	58742

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	45 BAY PATH RD, CHARLTON, MA 01507-1403
Document Number	57367-92
Book / Page	057367 / 000092
Instrument Date	Jun 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57367-92
Date	Jul 3, 2017
Book Page	057367/000092
Instrument	70234

Lender

Name	GLOBAL EQUITY FIN
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 45 Bay Path Rd was $4,501, up 1.1% 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	$4,501.00 (+1.1%)	$411,400 (+2.85%) Land $77,800 Building $333,600	$412,488 (-3.21%)
2025	$4,452.00 (+4.19%)	$400,000 (+6.16%) Land $75,000 Building $325,000	$426,170 (+9.12%)
2024	$4,273.00 (+2.3%)	$376,800 (+9.79%) Land $72,200 Building $304,600	$390,545
2023	$4,177.00	$343,200 Land $69,500 Building $273,700

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

Flood

FEMA maps place 45 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 45 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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