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15 Spruce Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 15 Spruce Rd, North Reading, MA 01864

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,266 sqft · built 1987
Lot Size0.918 acres (39,988 sqft)
Owner2 Company Names on Record
Last Sale$355,863 (Apr 1988)
Tax Bill$14,153 (2026)
Deeds & MortgagesMay 2023 Line of Credit
Mar 2024 Transfer
Flood ZoneZone X (minimal risk)
APNM:34-P:114

Property Details

APN / Parcel Number

Primary APNM:34-P:114
Alternative APN
  • NREA M:034.0 B:0000 L:0114.0

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,266 sqft Living Area
Gross Area2,008 sqft
1st Floor Area2,008 sqft
Basement Area2,008 sqft
Unfinished Basement2,008 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleCape Cod
Exterior MaterialWood Siding
Construction TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area39,988 sqft (0.918 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address15 SPRUCE RD
CityNORTH READING
StateMA
Zip01864-1719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA
Legal Lot Number114.0
JurisdictionNORTH READING MA
Township / Civil DivisionNORTH READING
Census Block Group1
Census Block1006
Census Tract330201

Owner

Source: Middlesex County and North Reading 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 Record2 Company Names on Record
Mailing Address15 SPRUCE RD, NORTH READING, MA 01864-1719
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
May 16, 2023Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK OF RHODE ISLAND
Mar 18, 2024Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 22, 1988 · Amount on Record
Deed SaleApr 22, 1988 · Amount on Record
Last Transfer DateMar 5, 2024
Transfer Doc082577-255
Record UpdatedOct 29, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNORTH READING MA
Property Address15 SPRUCE RD, NORTH READING, MA 01864-1719
Transaction TypeMortgage
Record UpdatedApr 14, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number081537-204
DateMay 16, 2023
Book Page81537/204
Instrument50203
Lender
NameCITIZENS BANK OF RHODE ISLAND
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueJun 1, 2048
Interest
Rate TypeAdjustable Rate

March 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNORTH READING MA
Recording DateMar 18, 2024
Property Address15 SPRUCE RD, NORTH READING, MA 01864-1719
Document Number082577-255
Book / Page82577 / 255
Instrument DateMar 5, 2024
Instrument26539
Transaction TypeTransfer
Record UpdatedApr 14, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address15 SPRUCE RD, NORTH READING, MA 01864-1719

Tax Assessment & Valuation

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionNorth Reading Town
Unified School DistrictNorth Reading School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$14,153.00 (-5.95%)$1,087,000 (-5.67%) Land $502,500 Building $584,500$1,296,924
2025$15,049.00 (+5.08%)$1,152,300 (+6.29%) Land $502,500 Building $649,800
2024$14,321.00 (+2.77%)$1,084,100 (+8.83%) Land $452,900 Building $631,200
2023$13,935.00$996,100 Land $444,300 Building $551,800

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 September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 94% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNORTH READING WATER DEPT.
serves 16,379 people · EPA ID MA3213000
Water SourcePurchased surface water from ANDOVER WATER DEPT
Last State InspectionDec 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2020
Treatment and ProcedureColiform assessment
Aug 2019
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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