45 Main St, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 45 Main St, Charlton, MA 01507

Property Summary

Property Type	Apartments (5+ Units)
Details	7 bd · 5.5 ba · 5,397 sqft · built 1830
Lot Size	0.33 acres (14,375 sqft)
Owner	Company Name on File
Last Sale	$700,000 (Aug 2021)
Tax Bill	$9,711 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Mar 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:042A B:000B L:0000013`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:042A B:000B L:0000013`
Alternative APN	`CHRL M:042A B:000B L:0000013`

Interior

Bedrooms	7 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	18 Rooms
Units	6 Units
Stories	2 Stories
Building Area	5,397 sqft Living Area
Gross Area	10,980 sqft
Basement Area	2,550 sqft
Unfinished Basement	2,550 sqft

Exterior

Year Built	Built 1830
Effective Year Built	Effective 1830
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 MAIN ST
City	CHARLTON
State	MA
Zip	01507-1671
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	V
Legal Block	B
Legal Lot Number	13
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	3
Census Block	3015
Census Tract	756102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Charlton Center Historic District listed 1995 · 49 contributing resources · NRIS 95001227

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

45 Main St, a residential property, is owned by a company that bought it in August 2021.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 31, DUDLEY, MA 01571-0031
Owner Type	Company
Vesting	Company

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
Aug 25, 2021	Quit Claim Deed, Transfer · Commercial Mortgage CORNERSTONE BANK
Mar 2, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2021 · Amount on File
Deed Sale	Aug 25, 2021 · Amount on File
Prior Sale	Oct 29, 1999 · Amount on File
Deed Document Number	2021119275
Deed Book / Page	65910 / 314
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Aug 25, 2021
Property Address	45 MAIN ST, CHARLTON, MA 01507-1671
Document Number	065910-314
Book / Page	65910 / 314
Instrument Date	Aug 25, 2021
Instrument	119275
Transaction Type	Transfer
Record Updated	Jan 24, 2024

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
Address	PO BOX 31, DUDLEY, MA 01571-0031

Mortgage

Document Number	0000119276
Date	Aug 25, 2021
Instrument	119276

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Mar 2, 2020
Property Address	45 MAIN ST, CHARLTON, MA 01507-1671
Document Number	61982-109
Book / Page	061982 / 000109
Instrument Date	Feb 26, 2020
Instrument	22434
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	119 MUGGETT HILL RD #A CHARLTON MA 015071328, A, CHARLTON, MA 01507-1328

Tax Assessment & Valuation

The 2026 property tax bill for 45 Main St was $9,711, up 6.9% 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
2026	$9,711.00 (+6.95%)	$887,700 (+8.81%) Land $89,900 Building $797,800
2025	$9,080.00 (+16.74%)	$815,800 (+18.94%) Land $89,900 Building $725,900
2024	$7,778.00 (-6.5%)	$685,900 (+0.34%) Land $85,000 Building $600,900
2023	$8,319.00	$683,600 Land $85,000 Building $598,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 45 Main St 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 Main St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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