45 J Davis Rd, Charlton, MA 01507 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,616 sqft · built 2004
Lot Size	5.42 acres (236,418 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Aug 2002)
Tax Bill	$8,023 (2026)
Deeds & Mortgages	Nov 2021 Refinance Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0017 B:000B L:0000013`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0017 B:000B L:0000013`
Alternative APN	`CHRL M:0017 B:000B L:0000013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,616 sqft Living Area
Gross Area	8,842 sqft
Basement Area	2,754 sqft
Unfinished Basement	2,754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	236,418 sqft (5.42 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 J DAVIS RD
City	CHARLTON
State	MA
Zip	01507-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	B
Legal Lot Number	13
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	1
Census Block	1011
Census Tract	756101

Owner

45 J Davis Rd is owned and occupied by an individual who acquired it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	45 J DAVIS RD, CHARLTON, MA 01507-1225
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
Nov 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SAVERS COOPERATIVE BANK
Sep 22, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2002 · Amount on File
Deed Sale	Aug 9, 2002 · Amount on File
Deed Book / Page	27176 / 299
Last Transfer Date	Sep 21, 2021
Transfer Doc	066116-273
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	45 J DAVIS RD, CHARLTON, MA 01507-1225
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066537-234
Date	Nov 16, 2021
Book Page	66537/234
Instrument	160398

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

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

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Sep 22, 2021
Property Address	45 J DAVIS RD, CHARLTON, MA 01507-1225
Document Number	066116-273
Book / Page	66116 / 273
Instrument Date	Sep 21, 2021
Instrument	132690
Transaction Type	Transfer
Record Updated	Dec 23, 2021

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	45J DAVIS RD, CHARLTON, MA 01507-1225

Tax Assessment & Valuation

The 2026 property tax bill for 45 J Davis Rd was $8,023, up 1.8% 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	$8,023.00 (+1.84%)	$733,400 (+3.62%) Land $108,900 Building $624,500	$735,793 (-13.49%)
2025	$7,878.00 (+3.1%)	$707,800 (+5.05%) Land $105,900 Building $601,900	$850,535 (-0.23%)
2024	$7,641.00 (+4.46%)	$673,800 (+12.09%) Land $105,200 Building $568,600	$852,530
2023	$7,315.00	$601,100 Land $97,600 Building $503,500

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

Flood

FEMA maps place 45 J Davis Rd in Zone X, an area of minimal flood risk.

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

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 J Davis 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 73 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on J Davis Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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