Charlton, MA
Worcester County42.1341°N, 71.9698°W
Tracking 6,533 properties across Charlton, Massachusetts — a community where the median home dates to 1987 and the oldest to 1734. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
6,533
Properties Tracked
1987
Median Year Built
$408K
Median Assessed Value
2%
FEMA Flood Zone
1.79M
NEP Data Facts Tracked
Zone 1
Radon Zone
Click any parcel to view intelligence
Charlton, MAInc. 1735
Charlton is a large, rural town in the southern part of Worcester County, with a landscape of farms, forests, and dispersed residential development. The town has grown as an affordable alternative to the more developed communities to the east, and newer subdivisions have been built on former agricultural land. The Buffumville Lake and Dam create flood control and recreation areas.
For property professionals, Charlton is a growing rural-suburban market with a mix of older and newer construction, moderate assessed values, and the rural infrastructure considerations — private wells, septic, dispersed fire coverage — common to interior Worcester County towns.
Risk Profile
FEMA flood zones, fire protection grades, radon — parcel by parcel
FEMA Flood Zones
155 properties (2%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
6,378
A
92
AE
63
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
194
Grade B
143
Grade C
737
Grade D
1,519
Grade E
3,940
Zone 1
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
50 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
6,533 properties · Median year built 1987 · Avg 1,909 sf
Property Types
Single Family
4,318
Vacant Land
1,072
Institutional
303
Condominium
193
Multi-Family
162
Commercial
143
Industrial
107
Mixed Use
93
Agricultural / Open Space
63
Other
52
Construction by Era
Pre-1800
56
1800-1849
51
1850-1899
120
1900-1949
389
1950-1979
1,240
1980-1999
1,791
2000+
1,244
Architectural Styles
Colonial
1,582
Ranch
933
Cape Cod
837
Split Entry
386
Contemporary
252
Old Style
190
Condominium
137
Camp/Seasonal
135
Market Activity
Recorded transactions from Worcester County Registry of Deeds
64
Sales (12 mo)
Arms-length transactions
$478K
Median Sale Price
Past 12 months
57%
Owner-Occupied
3%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 96% of Charlton properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Living in Charlton
Worcester County · Massachusetts
Zip Codes01507
13,315
Population
2020 Census
6,533
Properties
$408K
Median Assessed
57%
Owner-Occupied
43.8
Square Miles
Charlton covers 43.8 square miles in Worcester County, Massachusetts. The median assessed property value is $408K.
Single-family homes account for 4,318 of Charlton's 6,533 properties, with 193 condominiums and 164 multi-family buildings. There are 143 commercial properties and 1,072 parcels of vacant land. About 57% of properties are owner-occupied, and 3% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $243K and $548K, with the highest assessed property at $150.4M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
Most properties rely on private septic systems, and 13% have public water service. Electric service is provided by FITCHBURG GAS & ELEC LIGHT CO. 583 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Charlton its character.
What Charlton Property Intelligence Means for Professionals
Insurance & Underwriting
Charlton's fire protection grade distribution (194 Grade A, 143 Grade B) directly affects premium calculation. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Charlton's 10 property types, spanning construction from 1734 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 2% of Charlton properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
Understanding a property's construction era, environmental exposure, and building characteristics before arriving on site transforms inspection from discovery to verification.
Inspection solutionsExplore Charlton property intelligence.
6,533 Charlton properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/charlton-ma. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.