45 Davidson Rd, Charlton, MA 01507 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,936 sqft · built 2021
Lot Size	1.82 acres (79,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$396,000 (Dec 2020)
Tax Bill	$5,583 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0022 B:000A L:00024-3`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0022 B:000A L:00024-3`
Alternative APN	`CHRL M:0022 B:000A L:00024-3`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,936 sqft Living Area
Gross Area	3,016 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	79,314 sqft (1.82 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 DAVIDSON RD
City	CHARLTON
State	MA
Zip	01507-1515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	A
Legal Lot Number	24-3
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	1
Census Block	1034
Census Tract	756102

Owner

Source: Worcester County and Charlton Town records, as of July 20, 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	45 DAVIDSON RD, CHARLTON, MA 01507-1515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK
Nov 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Dec 8, 2020	Quit Claim Deed, Transfer · Conventional with PMI NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on Record
Deed Sale	Dec 8, 2020 · Amount on Record
Deed Document Number	2020151273
Deed Book / Page	63922 / 127
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	45 DAVIDSON RD, CHARLTON, MA 01507-1515
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067209-25
Date	Mar 3, 2022
Book Page	67209/25
Instrument	24636

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	45 DAVIDSON RD, CHARLTON, MA 01507-1515
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066528-36
Date	Nov 15, 2021
Book Page	66528/36
Instrument	159804

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Dec 8, 2020
Property Address	45 DAVIDSON RD, CHARLTON, MA 01507-1515
Document Number	63922-127
Book / Page	063922 / 000127
Instrument Date	Nov 30, 2020
Instrument	151273
Transaction Type	Transfer
Record Updated	Apr 6, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 DAVIDSON RD CHARLTON MA 01507, CHARLTON, MA 01507

Mortgage

Document Number	63922-131
Date	Dec 8, 2020
Book Page	063922/000131
Instrument	151274

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

Tax Assessment & Valuation

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
2025	$5,583.00 (+2.87%)	$501,600 (+4.81%) Land $92,300 Building $409,300	$543,305 (+6.88%)
2024	$5,427.00 (+2.61%)	$478,600 (+10.12%) Land $92,200 Building $386,400	$508,345
2023	$5,289.00	$434,600 Land $88,600 Building $346,000

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 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

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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