Worcester County and Spencer Town property record for 83 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,962 sqft · built 2007 |
| Lot Size | 1.08 acres (47,178 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $142,000 (Jun 2006) |
| Tax Bill | $6,005 (2026) |
| Deeds & Mortgages | Feb 2024 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R14 B:00031 L:00000 |
| Primary APN | SPEN M:00R14 B:00031 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,962 sqft Living Area |
| Gross Area | 4,832 sqft |
| Basement Area | 1,962 sqft |
| Unfinished Basement | 1,962 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 47,178 sqft (1.08 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 83 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 | 31 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 726100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 83 E CHARLTON RD, SPENCER, MA 01562-2811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 20, 2024 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION |
| Feb 24, 2021 | Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION |
| Aug 20, 2018 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FCU |
| Feb 20, 2020 | Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2006 · Amount on Record |
| Deed Sale | Jun 20, 2006 · Amount on Record |
| Deed Document Number | 200691197 |
| Deed Book / Page | 39210 / 329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 83 E CHARLTON RD, SPENCER, MA 01562-2811 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0070205-61 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 70205/61 |
| Instrument | 12133 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 83 E CHARLTON RD, SPENCER, MA 01562-2811 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64541-63 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 64541/63 |
| Instrument | 26055 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.38% |
| Type Change Date | Mar 1, 2031 |
| Index | 5-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 83 E CHARLTON RD, SPENCER, MA 01562-2811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59281-187 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 59281/187 |
| Instrument | 86959 |
| Name | WEBSTER FIRST FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPENCER MA |
| Property Address | 83 E CHARLTON RD, SPENCER, MA 01562-2811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61921-198 |
|---|---|
| Date | Feb 20, 2020 |
| Book Page | 61921/198 |
| Instrument | 17807 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Mar 1, 2030 |
Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Spencer Town |
| Unified School District | Spencer-East Brookfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,005.00 (+9,585.48%) | $546,900 (+2.47%) Land $62,900 Building $484,000 | $549,509 (+21.26%) |
| 2025 | $62.00 (-98.91%) | $533,700 (+7.02%) Land $54,700 Building $479,000 | $453,150 |
| 2024 | $5,705.00 (+7.8%) | $498,700 (+13.65%) Land $54,700 Building $444,000 | |
| 2023 | $5,292.00 | $438,800 Land $54,700 Building $384,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
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