Worcester County and Spencer Town property record for 91 E Charlton Rd, Spencer, MA 01562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,883 sqft · built 2005 |
| Lot Size | 6.71 acres (292,610 sqft) |
| Owner | Individual Name on File |
| Last Sale | $818,000 (Nov 2023) |
| Tax Bill | $8,627 (2026) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPEN M:00R07 B:00021 L:00000 |
| Primary APN | SPEN M:00R07 B:00021 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,883 sqft Living Area |
| Gross Area | 7,813 sqft |
| Basement Area | 2,041 sqft |
| Unfinished Basement | 2,041 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 292,610 sqft (6.71 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Oil |
| Street Address | 91 E CHARLTON RD |
|---|---|
| City | SPENCER |
| State | MA |
| Zip | 01562-3105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 21 |
| Jurisdiction | SPENCER MA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 726100 |
91 E Charlton Rd is owned and occupied by an individual who bought it in November 2023.
Source: Worcester County and Spencer Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 91 E CHARLTON RD, SPENCER, MA 01562-3105 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 28, 2023 · Amount on File |
| Deed Sale | Nov 28, 2023 · Amount on File |
| Prior Sale | Mar 5, 2002 · Amount on File |
| Deed Document Number | 202399225 |
| Deed Book / Page | 69926 / 362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPENCER MA |
| Recording Date | Nov 28, 2023 |
| Property Address | 91 E CHARLTON RD, SPENCER, MA 01562-3105 |
| Document Number | 069926-362 |
| Book / Page | 69926 / 362 |
| Instrument Date | Nov 28, 2023 |
| Instrument | 99225 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 91 E CHARLTON RD, SPENCER, MA 01562-3105 |
| Document Number | 0000099226 |
|---|---|
| Date | Nov 28, 2023 |
| Instrument | 99226 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Dec 1, 2030 |
| Max Rate At Change | 2.75% |
| Index | 3-Year CMT |
The 2026 property tax bill for 91 E Charlton Rd was $8,627, up 9,277.2% from the year before.
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 | $8,627.00 (+9,277.17%) | $785,700 (-0.76%) Land $82,700 Building $703,000 | $803,160 (+5.18%) |
| 2025 | $92.00 (-99.02%) | $791,700 (-3.77%) Land $74,300 Building $717,400 | $763,610 |
| 2024 | $9,412.00 (+8.32%) | $822,700 (+14.18%) Land $74,300 Building $748,400 | |
| 2023 | $8,689.00 | $720,500 Land $74,300 Building $646,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 91 E Charlton Rd in Zone X, an area of minimal flood risk.
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 risk around 91 E Charlton 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.
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 |
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