98 E Charlton Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 98 E Charlton Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,262 sqft · built 1994
Lot Size	4.18 acres (182,404 sqft)
Owner	Individual Name on File
Last Sale	$29,000 (May 1993)
Tax Bill	$5,745 (2026)
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R08 B:00051 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R08 B:00051 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,262 sqft Living Area
Gross Area	4,418 sqft
Basement Area	1,304 sqft
Unfinished Basement	1,304 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	182,404 sqft (4.18 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	98 E CHARLTON RD
City	SPENCER
State	MA
Zip	01562-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	51
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3012
Census Tract	726100

Owner

98 E Charlton Rd is owned and occupied by an individual who bought it in May 1993.

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

Owner of Record	Individual Name on File
Mailing Address	98 E CHARLTON RD, SPENCER, MA 01562-3108
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 1993 · Amount on File
Deed Sale	May 21, 1993 · Amount on File
Deed Book / Page	15203 / 118
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 98 E Charlton Rd was $5,745, up 9,805.2% from the year before.

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	$5,745.00 (+9,805.17%)	$523,200 (+4.45%) Land $68,100 Building $455,100	$571,693 (-7.74%)
2025	$58.00 (-98.92%)	$500,900 (+6.62%) Land $60,600 Building $440,300	$619,685
2024	$5,375.00 (+6.04%)	$469,800 (+11.78%) Land $60,600 Building $409,200
2023	$5,069.00	$420,300 Land $60,600 Building $359,700

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

Flood

FEMA maps place 98 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

Wildfire risk around 98 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 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