Middlesex County and Reading Town property record for 106 Spruce Rd, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,956 sqft · built 1968 |
| Lot Size | 0.462 acres (20,129 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,200,000 (Jun 2023) |
| Tax Bill | $10,014 (2025) |
| Deeds & Mortgages | Feb 2020 Refinance Dec 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:032.0-0000-0228.0 |
| Primary APN | READ M:032.0-0000-0228.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,956 sqft Living Area |
| Gross Area | 2,908 sqft |
| 1st Floor Area | 1,204 sqft |
| Basement Area | 1,352 sqft |
| Unfinished Basement | 798 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,129 sqft (0.462 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1350000000530 |
|---|---|
| Street Address | 106 SPRUCE RD |
| City | READING |
| State | MA |
| Zip | 01867-1447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records · APN READ M:032.0-0000-0228.0
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 SPRUCE RD, READING, MA 01867-1447 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Dec 10, 2018 | Deed of Trust, Mortgage · Line of Credit READING COOPERATIVE BANK |
| May 03, 2019 | Other, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 02, 2023 · Amount on Record |
| Deed Sale | Jun 02, 2023 · Amount on Record |
| Prior Sale | Jan 31, 2003 · Amount on Record |
| Deed Book / Page | 37868 / 110 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 106 SPRUCE RD, READING, MA 01867-1447 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74171-214 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 74171/214 |
| Instrument | 26692 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 106 SPRUCE RD, READING, MA 01867-1447 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 71989-268 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | 71989/268 |
| Instrument | 187724 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2039 |
| Document Type | Other |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 03, 2019 |
| Property Address | 106 SPRUCE RD, READING, MA 01867-1447 |
| Document Number | 72550-423 |
| Book / Page | 72550 / 423 |
| Instrument Date | Apr 27, 2019 |
| Instrument | 56877 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 SPRUCE RD, READING, MA 01867-1447 |
| Document Number | 72550-426 |
|---|---|
| Date | May 03, 2019 |
| Book Page | 72550/426 |
| Instrument | 56878 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,014.00 (+1.15%) | $879,200 (+4.08%) Land $520,100 Building $359,100 | $877,230 (+0.18%) |
| 2024 | $9,900.00 (+3.24%) | $844,700 (+10.91%) Land $499,700 Building $345,000 | $875,615 |
| 2023 | $9,589.00 | $761,600 Land $450,500 Building $311,100 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173343004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1978–2004) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2004 · Flooding |
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
Based on FCC filings for 300 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA3246000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Nov 2023 |
| Lead | 8 ppb (2021–2023) action level 15 ppb |
| Water Quality | E. coli not recorded as resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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