91 Freeman Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 91 Freeman Rd, Charlton, MA 01507

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,268 sqft · built 2001
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Oct 2022)
Tax Bill	$5,679 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0058 B:000A L:00001-1`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0058 B:000A L:00001-1`
Alternative APN	`CHRL M:0058 B:000A L:00001-1`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,268 sqft Living Area
Gross Area	3,700 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	91 FREEMAN RD
City	CHARLTON
State	MA
Zip	01507-1374
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	A
Legal Lot Number	1-1
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	4
Census Block	4037
Census Tract	756102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	91 FREEMAN RD, CHARLTON, MA 01507-1374
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Oct 4, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SAVERS COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Prior Sale	Feb 1, 2013 · Amount on Record
Deed Book / Page	68311 / 385
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	91 FREEMAN RD, CHARLTON, MA 01507-1374
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00065601-1
Date	Jul 13, 2021
Book Page	65601/1
Instrument	97154

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Oct 4, 2022
Property Address	91 FREEMAN RD, CHARLTON, MA 01507-1374
Document Number	068311-385
Book / Page	68311 / 385
Instrument Date	Oct 4, 2022
Instrument	108721
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	91 FREEMAN RD, CHARLTON, MA 01507-1374

Mortgage

Document Number	0000108722
Date	Oct 4, 2022
Instrument	108722

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2027
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

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	$5,679.00 (+1.92%)	$519,100 (+3.7%) Land $117,100 Building $402,000	$577,360 (+0.27%)
2025	$5,572.00 (+3.36%)	$500,600 (+5.3%) Land $111,100 Building $389,500	$575,795 (+6.39%)
2024	$5,391.00 (-1.03%)	$475,400 (+6.21%) Land $105,100 Building $370,300	$541,215
2023	$5,447.00	$447,600 Land $105,100 Building $342,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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