48 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 48 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,060 sqft · built 2021
Lot Size	2.75 acres (120,113 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Dec 2023)
Tax Bill	$61 (2025)
Deeds & Mortgages	Nov 2021 Refinance May 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14539`

Property Details

APN / Parcel Number

Primary APN	`14539`
Alternative APN	`SPEN M:00R14 B:00053 L:00009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,060 sqft Living Area
Gross Area	3,997 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	120,113 sqft (2.75 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14539
Street Address	48 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	9
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3008
Census Tract	726100

Owner

48 E Charlton Rd is owned and occupied by two individuals who acquired it in April 2026.

Source: Worcester County and Spencer Town records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48 E CHARLTON RD, SPENCER, MA 01562-2812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH BROOKFIELD SAVINGS BANK
May 4, 2026	Quit Claim Deed, Transfer · Line of Credit MUTUAL HOME MORTGAGE
May 4, 2026	Deed of Trust, Mortgage · Line of Credit MUTUAL HOME MORTGAGE
Dec 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage COUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on File
Deed Sale	Dec 1, 2023 · Amount on File
Deed Document Number	2023101014
Deed Book / Page	69950 / 182
Last Transfer Date	Apr 23, 2026
Transfer Doc	073531-332
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	48 E CHARLTON RD, SPENCER, MA 01562-2812
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0066427-51
Date	Nov 1, 2021
Book Page	66427/51
Instrument	153271

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

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

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	48 E CHARLTON RD, SPENCER, MA 01562-2812
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	069193-256
Date	May 31, 2023
Book Page	69193/256
Instrument	41772

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2043

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	May 4, 2026
Property Address	48 E CHARLTON RD, SPENCER, MA 01562-2812
Document Number	073531-332
Book / Page	73531 / 332
Instrument Date	Apr 23, 2026
Instrument	202634775
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 E CHARLTON RD, SPENCER, MA 01562-2812

Mortgage

Date	May 4, 2026

Lender

Name	MUTUAL HOME MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Recording Date	May 4, 2026
Property Address	48 E CHARLTON RD, SPENCER, MA 01562-2812
Document Number	073531-350
Book / Page	73531 / 350
Instrument Date	Apr 23, 2026
Instrument	202634777
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 E CHARLTON RD, SPENCER, MA 01562-2812
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034777,
Date	May 4, 2026
Book Page	73531/350
Instrument	202634777

Lender

Name	MUTUAL HOME MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	997 Months
Due	Jun 1, 2109

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Max Rate	-1%

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Dec 1, 2023
Property Address	48 E CHARLTON RD, SPENCER, MA 01562-2812
Document Number	069950-182
Book / Page	69950 / 182
Instrument Date	Dec 1, 2023
Instrument	101014
Transaction Type	Transfer
Record Updated	Dec 15, 2023

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	48 E CHARLTON RD, SPENCER, MA 01562-2812

Mortgage

Document Number	0000101015
Date	Dec 1, 2023
Instrument	101015

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Type Change Date	Dec 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 48 E Charlton Rd was $61, down 99.1% from the year before.

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	$61.00 (-99.1%)	$528,000 (-10.69%) Land $61,200 Building $466,800	$469,015
2024	$6,763.00 (+4.64%)	$591,200 (+10.32%) Land $61,200 Building $530,000
2023	$6,463.00	$535,900 Land $61,200 Building $474,700

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

Flood

FEMA maps place 48 E Charlton 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	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

Wildfire risk around 48 E Charlton 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 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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