61 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 61 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,190 sqft · built 1993
Lot Size	1.06 acres (46,307 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Aug 2018)
Tax Bill	$4,598 (2026)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R14 B:00025 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R14 B:00025 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
Gross Area	2,480 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,307 sqft (1.06 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	61 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-2811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	25
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3007
Census Tract	726100

Owner

Source: Worcester County and Spencer Town records, as of October 20, 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	61 E CHARLTON RD, SPENCER, MA 01562-2811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2018 · Amount on Record
Deed Sale	Aug 22, 2018 · Amount on Record
Prior Sale	Mar 14, 2003 · Amount on Record
Deed Book / Page	59296 / 87
Transfer Doc	0059296-87
Record Updated	Oct 29, 2026

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Aug 22, 2018
Property Address	61 E CHARLTON RD, SPENCER, MA 01562-2811
Document Number	59296-87
Book / Page	59296 / 87
Instrument	88330
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.54
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	592960092
Date	Aug 22, 2018
Instrument	59296/0092

Lender

Name	CENTRAL ONE FCU
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2048

Interest

Rate	4.13%
Max Rate At Change	90.1%
Max Rate	2.25%

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
2026	$4,598.00 (+10,117.78%)	$418,800 (+8.22%) Land $62,700 Building $356,100	$433,960 (+14.17%)
2025	$45.00 (-98.93%)	$387,000 (+5.05%) Land $54,600 Building $332,400	$380,095
2024	$4,214.00 (+4.13%)	$368,400 (+9.77%) Land $54,600 Building $313,800
2023	$4,047.00	$335,600 Land $54,600 Building $281,000

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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