85 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 85 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,426 sqft · built 1994
Lot Size	1.37 acres (59,810 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Sep 2022)
Tax Bill	$5,891 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R14 B:00032 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R14 B:00032 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,426 sqft Living Area
Gross Area	4,656 sqft
Basement Area	1,244 sqft
Unfinished Basement	1,244 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	59,810 sqft (1.37 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	85 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-2811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	SPENCER
Legal Block	32
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	85 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	Sep 20, 2022 · Amount on Record
Deed Sale	Sep 20, 2022 · Amount on Record
Prior Sale	Aug 3, 2016 · Amount on Record
Deed Book / Page	68241 / 272
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Sep 20, 2022
Property Address	85 E CHARLTON RD, SPENCER, MA 01562-2811
Document Number	068241-272
Book / Page	68241 / 272
Instrument Date	Sep 20, 2022
Instrument	103399
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 E CHARLTON RD, SPENCER, MA 01562-2811

Mortgage

Document Number	0000103400
Date	Sep 20, 2022
Instrument	103400

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,891.00 (+9,718.33%)	$536,500 (+4.09%) Land $64,800 Building $471,700	$577,406 (+7.59%)
2025	$60.00 (-98.98%)	$515,400 (+0.12%) Land $56,400 Building $459,000	$536,655
2024	$5,889.00 (+7.29%)	$514,800 (+13.12%) Land $56,400 Building $458,400
2023	$5,489.00	$455,100 Land $56,400 Building $398,700

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20