Worcester County and Spencer Town property record for 45 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,844 sqft · built 1966 |
| Lot Size | 1.21 acres (52,841 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,280 (2026) |
| Deeds & Mortgages | Nov 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R14 B:00002 L:00000 |
| Primary APN | SPEN M:00R14 B:00002 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,844 sqft Living Area |
| Gross Area | 3,698 sqft |
| Basement Area | 784 sqft |
| Unfinished Basement | 784 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,841 sqft (1.21 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 E CHARLTON RD |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-2810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Subdivision | SPENCER |
| Legal Block | 2 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 726100 |
Source: Worcester County and Spencer Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 45 E CHARLTON RD, SPENCER, MA 01562-2810 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 19, 2022 |
| Transfer Doc | 0068526-98 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Nov 23, 2022 |
| Property Address | 45 E CHARLTON RD, SPENCER, MA 01562-2810 |
| Document Number | 0068526-98 |
| Book / Page | 68526 / 98 |
| Instrument Date | Nov 19, 2022 |
| Instrument | 125581 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 E CHARLTON RD, SPENCER, MA 01562-2810 |
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,280.00 (+9,5%) | $480,900 (+2.62%) Land $63,700 Building $417,200 | $454,194 (+0.1%) |
| 2025 | $55.00 (-98.9%) | $468,600 (+6.94%) Land $55,500 Building $413,100 | $453,720 |
| 2024 | $5,013.00 (+7.9%) | $438,200 (+13.76%) Land $55,500 Building $382,700 | |
| 2023 | $4,646.00 | $385,200 Land $55,500 Building $329,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
5G (outdoors only) and 4G LTE
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