45 Charles St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 45 Charles St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,047 sqft · built 1950
Lot Size	0.266 acres (11,591 sqft)
Owner	Individual Name on Record
Last Sale	$980,000 (Nov 2021)
Tax Bill	$11,325 (2025)
Deeds & Mortgages	Jul 2026 Sale Nov 2021 Sale & Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-00000074`

Property Details

APN / Parcel Number

Primary APN	`27-00000074`
Alternative APN	`NATI M:00000027 P:00000074`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,047 sqft Living Area
1st Floor Area	1,042 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,591 sqft (0.266 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	27-00000074
Street Address	45 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 August 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	45 CHARLES ST, NATICK, MA 01760-2830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Personal Representative Deed, Transfer
Nov 16, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance 45 CHARLES ST LLC
Jul 7, 2017	Deed of Trust, Mortgage PATRIOT COMMUNITY BANK
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage BOSTON FIREFIGHTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Jan 12, 2007 · Amount on Record
Deed Document Number	2021250176
Deed Book / Page	79156 / 101
Transfer Doc	48823-583
Record Updated	Sep 20, 2026

July 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	NATICK MA
Recording Date	Jul 21, 2026
Property Address	45 CHARLES ST, NATICK, MA 01760-2830
Document Number	0000090436
Book / Page	85907 / 284
Instrument Date	Jun 17, 2026
Instrument	202690436
Transaction Type	Transfer
Record Updated	Aug 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CHARLES ST, NATICK, MA 01760-2830

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Nov 16, 2021
Property Address	45 CHARLES ST, NATICK, MA 01760-2830
Document Number	79156-101
Book / Page	79156 / 101
Instrument Date	Nov 5, 2021
Instrument	250176
Transaction Type	Transfer
Record Updated	Dec 3, 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
Address	45 CHARLES ST, NATICK, MA 01760-2830

Mortgage

Document Number	79174-486
Date	Nov 18, 2021
Book Page	79174/486
Instrument	251908

Lender

Name	45 CHARLES ST LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	45 CHARLES ST, NATICK, MA 01760-2830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69567-34
Date	Jul 7, 2017
Book Page	69567/34
Instrument	105298

Lender

Name	PATRIOT COMMUNITY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2037

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	45 CHARLES ST, NATICK, MA 01760-2830
Document Number	68899-432
Book / Page	068899 / 000432
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68899-432
Date	Feb 15, 2017
Book Page	068899/000432
Instrument	24943

Lender

Name	BOSTON FIREFIGHTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2047

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	$11,325.00 (+3.9%)	$946,900 (+6.5%) Land $453,600 Building $493,300	$1,116,060
2024	$10,900.00 (+4.44%)	$889,100 (+7.68%) Land $428,400 Building $460,700
2023	$10,437.00	$825,700 Land $402,900 Building $422,800

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.

Nearby Properties on Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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