Charlton, MA
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.
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.
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
The Property Landscape
6,533 properties · Median year built 1987 · Avg 1,909 sf
Property Types
Construction by Era
Architectural Styles
Market Activity
Recorded transactions from Worcester County Registry of Deeds
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
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.
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.