46 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 46 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,337 sqft · built 2021
Lot Size	1.42 acres (61,873 sqft)
Owner	Individual Name on Record
Last Sale	$5,000 (Jun 2022)
Tax Bill	$52 (2025)
Deeds & Mortgages	Jun 2022 Sale Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14535`

Property Details

APN / Parcel Number

Primary APN	`14535`
Alternative APN	`SPEN M:00R14 B:00053 L:00005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,337 sqft Living Area
Gross Area	2,774 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	61,873 sqft (1.42 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14535
Street Address	46 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-2812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	53
Legal Lot Number	5
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3008
Census Tract	726100

Owner

Source: Worcester County and Spencer Town records, as of April 14, 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	46 E CHARLTON RD, SPENCER, MA 01562-2812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Quit Claim Deed, Transfer
Jan 26, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Jan 26, 2021 · Amount on Record
Deed Document Number	202264065
Deed Book / Page	67738 / 286
Prior Transfer Date	Jun 10, 2022
Prior Transfer Doc	067738-286
Record Updated	Sep 20, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jun 13, 2022
Property Address	46 E CHARLTON RD, SPENCER, MA 01562-2812
Document Number	067738-286
Book / Page	67738 / 286
Instrument Date	Jun 10, 2022
Instrument	64065
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount Recorded
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	46 E CHARLTON RD, SPENCER, MA 01562-2812

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Jan 26, 2021
Property Address	46 E CHARLTON RD, SPENCER, MA 01562-2812
Document Number	064322-268
Book / Page	64322 / 268
Instrument Date	Dec 31, 2020
Instrument	11973
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
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	46 E CHARLTON RD, SPENCER, MA 01562-2812

Mortgage

Document Number	0000011974
Date	Jan 26, 2021
Instrument	11974

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$52.00 (-98.94%)	$450,300 (+5.04%) Land $56,600 Building $393,700	$420,850
2024	$4,904.00 (+4.27%)	$428,700 (+9.92%) Land $56,600 Building $372,100
2023	$4,703.00	$390,000 Land $56,600 Building $333,400

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	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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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