81 Smith Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 81 Smith Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,470 sqft · built 1977
Lot Size	0.939 acres (40,894 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jan 2009)
Tax Bill	$4,105 (2026)
Deeds & Mortgages	May 2019 Refinance Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:007A B:000A L:0000001`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:007A B:000A L:0000001`
Alternative APN	`CHRL M:007A B:000A L:0000001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,470 sqft Living Area
Gross Area	2,712 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,894 sqft (0.939 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	81 SMITH RD
City	CHARLTON
State	MA
Zip	01507-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	A
Legal Lot Number	1
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	1
Census Block	1002
Census Tract	756102

Owner

81 Smith Rd is owned and occupied by two individuals who bought it in January 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	81 SMITH RD, CHARLTON, MA 01507-1617
Occupancy	Owner Occupied
Owner Type	Individual

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
May 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SAVERS COOPERATIVE BANK
Jun 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2009 · Amount on File
Deed Sale	Jan 2, 2009 · Amount on File
Prior Sale	May 23, 2008 · Amount on File
Deed Book / Page	43644 / 252
Transfer Doc	42875-270
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	81 SMITH RD, CHARLTON, MA 01507-1617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60472-230
Date	May 30, 2019
Book Page	60472/230
Instrument	48742

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	81 SMITH RD, CHARLTON, MA 01507-1617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62565-41
Date	Jun 10, 2020
Book Page	62565/41
Instrument	60444

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 81 Smith Rd was $4,105, up 2.6% 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	$4,105.00 (+2.57%)	$375,200 (+4.34%) Land $107,700 Building $267,500	$426,285 (-7.48%)
2025	$4,002.00 (+3.3%)	$359,600 (+5.27%) Land $102,200 Building $257,400	$460,750 (+8.23%)
2024	$3,874.00 (+1.49%)	$341,600 (+8.93%) Land $96,600 Building $245,000	$425,695
2023	$3,817.00	$313,600 Land $96,600 Building $217,000

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

Flood

FEMA maps place 81 Smith Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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	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 81 Smith 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 28 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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