16 Spruce Dr, Ashburnham, MA 01430 Property Records

Worcester County and Ashburnham Town property record for 16 Spruce Dr, Ashburnham, MA 01430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,014 sqft · built 1964
Lot Size	0.33 acres (14,368 sqft)
Owner	Individual Name on File
Last Sale	$99,000 (Nov 2018)
Tax Bill	$3,489 (2025)
Deeds & Mortgages	Mar 2020 Refinance Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:0047 B:000016`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:0047 B:000016`
Alternative APN	`ABHM M:0047 B:000016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,014 sqft Living Area
Gross Area	2,172 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,368 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	16 SPRUCE DR
City	ASHBURNHAM
State	MA
Zip	01430-1011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	16
Jurisdiction	ASHBURNHAM MA
Township / Civil Division	ASHBURNHAM
Census Block Group	4
Census Block	4017
Census Tract	700100

Owner

16 Spruce Dr is owned and occupied by an individual who acquired it in March 2020.

Source: Worcester County and Ashburnham Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	16 SPRUCE DR, ASHBURNHAM, MA 01430-1011
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

Date	Document
Mar 30, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Nov 1, 2018	Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION
Dec 12, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on File
Deed Sale	Nov 1, 2018 · Amount on File
Prior Sale	Dec 12, 2017 · Amount on File
Deed Book / Page	9201 / 175
Last Transfer Date	Mar 25, 2020
Transfer Doc	9580-91
Record Updated	Oct 29, 2026

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Mar 30, 2020
Property Address	16 SPRUCE DR, ASHBURNHAM, MA 01430-1011
Document Number	9580-91
Book / Page	9580 / 91
Instrument Date	Mar 25, 2020
Instrument	5078
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SPRUCE DR, ASHBURNHAM, MA 01430-1011

Mortgage

Document Number	0009580-93
Date	Mar 30, 2020
Book Page	9580/93
Instrument	5079

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Nov 1, 2018
Property Address	16 SPRUCE DR, ASHBURNHAM, MA 01430-1011
Document Number	9201-175
Book / Page	9201 / 175
Instrument	19312
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.79
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	92010177
Date	Nov 1, 2018
Instrument	09201/0177

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

December 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	ASHBURNHAM MA
Recording Date	Dec 12, 2017
Property Address	16 SPRUCE DR, ASHBURNHAM, MA 01430-1011
Document Number	8979-361
Book / Page	008979 / 000361
Instrument Date	Dec 8, 2017
Instrument	22747
Transaction Type	Foreclosure
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Tax	$592.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	4801 FREDERICA ST OWENSBORO KY 423017441, OWENSBORO, KY 42301-7441
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 16 Spruce Dr was $3,489, up 0.4% from the year before.

Source: Worcester County and Ashburnham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Ashburnham Town
Unified School District	Ashburnham-Westminster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,489.00 (+0.43%)	$234,600 (+6.35%) Land $34,200 Building $200,400	$429,305 (+30.8%)
2024	$3,474.00 (+3.67%)	$220,600 (+8.94%) Land $34,200 Building $186,400	$328,225
2023	$3,351.00	$202,500 Land $34,200 Building $168,300

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

Flood

FEMA maps place 16 Spruce Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 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 16 Spruce Dr 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.

Drinking Water

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

Water System	ASHBURNHAM WATER DEPARTMENT serves 3,680 people · EPA ID MA2011000
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Spruce Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures