64 Oxbow Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 64 Oxbow Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,822 sqft · built 2000
Lot Size	1.71 acres (74,488 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Dec 1999)
Tax Bill	$4,707 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2020 Refinance
Flood Zone	Zone X (moderate risk)
APN	`CHAR M:0038 B:000A L:0000009`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0038 B:000A L:0000009`
Alternative APN	`CHRL M:0038 B:000A L:0000009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,822 sqft Living Area
Gross Area	3,737 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,488 sqft (1.71 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	64 OXBOW RD
City	CHARLTON
State	MA
Zip	01507-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	A
Legal Lot Number	9
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	1
Census Block	1042
Census Tract	756102

Owner

64 Oxbow Rd is owned and occupied by two individuals who bought it in December 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	64 OXBOW RD, CHARLTON, MA 01507-1544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Aug 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance COUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 1999 · Amount on File
Deed Sale	Dec 7, 1999 · Amount on File
Deed Book / Page	22122 / 279
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	64 OXBOW RD, CHARLTON, MA 01507-1544
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067708-350
Date	Jun 7, 2022
Book Page	67708/350
Instrument	61773

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	64 OXBOW RD, CHARLTON, MA 01507-1544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63009-30
Date	Aug 12, 2020
Book Page	63009/30
Instrument	89891

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 64 Oxbow Rd was $4,707, up 1.9% 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	Assessed Market Value
2026	$4,707.00 (+1.86%)	$430,300 (+3.64%) Land $85,700 Building $344,600	$498,881 (+25.36%)
2025	$4,621.00 (+3.82%)	$415,200 (+5.78%) Land $82,700 Building $332,500	$397,955 (-12.11%)
2024	$4,451.00 (+4.24%)	$392,500 (+11.86%) Land $79,700 Building $312,800	$452,770
2023	$4,270.00	$350,900 Land $76,200 Building $274,700

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

Flood

FEMA maps place 64 Oxbow Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · tidal / storm surge

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 64 Oxbow 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 82 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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