45 Pine Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 45 Pine Rd, Charlton, MA 01507 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,268 sqft · built 1989
Lot Size	0.414 acres (18,016 sqft)
Owner	Individual Name on File
Tax Bill	$4,719 (2025)
Deeds & Mortgages	Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:001A B:000K L:0000023`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:001A B:000K L:0000023`
Alternative APN	`CHRL M:001A B:000K L:0000023`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,268 sqft Living Area
Gross Area	4,148 sqft
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,016 sqft (0.414 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 PINE RD
City	CHARLTON
State	MA
Zip	01507-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	K
Legal Lot Number	23
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	1
Census Block	1001
Census Tract	756101

Owner

Source: Worcester County and Charlton Town records · APN CHAR M:001A B:000K L:0000023

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	45 PINE RD, CHARLTON, MA 01507-3026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 16, 2022
Transfer Doc	0000103820
Record Updated	Sep 20, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Sep 21, 2022
Property Address	45 PINE RD, CHARLTON, MA 01507-3026
Document Number	068247-213
Book / Page	68247 / 213
Instrument Date	Sep 16, 2022
Instrument	103820
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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	45 PINE RD, CHARLTON, MA 01507-3026

Mortgage

Document Number	068247-218
Date	Sep 21, 2022
Book Page	68247/218
Instrument	103821

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Oct 01, 2032
Index	1-Year CMT

Tax Assessment & Valuation

Source: Worcester County and Charlton Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,719.00 (+2.52%)	$424,000 (+4.46%) Land $74,300 Building $349,700	$525,920 (-2.24%)
2024	$4,603.00 (+2.68%)	$405,900 (+10.18%) Land $74,300 Building $331,600	$537,985
2023	$4,483.00	$368,400 Land $71,800 Building $296,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.