Middlesex County and North Reading Town property record for 20 Spruce Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,774 sqft · built 1989 |
| Lot Size | 2.33 acres (101,495 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $387,939 (Nov 1989) |
| Tax Bill | $13,710 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:34-P:127 |
| Primary APN | M:34-P:127 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,774 sqft Living Area |
| 1st Floor Area | 1,982 sqft |
| Basement Area | 1,982 sqft |
| Unfinished Basement | 1,982 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 101,495 sqft (2.33 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 20 SPRUCE RD |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-1720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 127.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 330201 |
Source: Middlesex County and North Reading Town records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20 SPRUCE RD, NORTH READING, MA 01864-1720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 1989 · Amount on Record |
| Deed Sale | Nov 16, 1989 · Amount on Record |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 20 SPRUCE RD, NORTH READING, MA 01864-1720 |
| Document Number | 71741-437 |
| Instrument Date | Sep 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 20 SPRUCE RD NORTH READING MA 018641720, NORTH READING, MA 01864-1720 |
| Document Number | 71741-437 |
|---|---|
| Date | Oct 15, 2018 |
| Book Page | 071741/000437 |
| Instrument | 157692 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $13,710.00 (+3.98%) | $1,049,800 (+5.18%) Land $525,300 Building $524,500 |
| 2024 | $13,185.00 (+0.93%) | $998,100 (+6.89%) Land $473,600 Building $524,500 |
| 2023 | $13,064.00 | $933,800 Land $464,900 Building $468,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
5G (outdoors only) and 4G LTE
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