69 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 69 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,286 sqft · built 1927
Lot Size	9.64 acres (420,241 sqft)
Owner	Individual Name on Record
Tax Bill	$5,582 (2026)
Deeds & Mortgages	Apr 2024 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R14 B:00029 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R14 B:00029 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,286 sqft Living Area
Gross Area	3,686 sqft
Basement Area	1,122 sqft
Unfinished Basement	1,122 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	420,241 sqft (9.64 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	69 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	29
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	69 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
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	69 E CHARLTON RD, SPENCER, MA 01562-2811
Transaction Type	Mortgage
Record Updated	May 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070405-24
Date	Apr 17, 2024
Book Page	70405/24
Instrument	27805

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

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	$5,582.00 (+11,064%)	$508,400 (+18.45%) Land $92,300 Building $416,100	$501,612 (+3.57%)
2025	$50.00 (-98.94%)	$429,200 (+4.38%) Land $83,900 Building $345,300	$484,310
2024	$4,704.00 (+4.32%)	$411,200 (+9.98%) Land $83,900 Building $327,300
2023	$4,509.00	$373,900 Land $83,900 Building $290,000

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