21 Spruce Dr, Ashburnham, MA 01430 Property Records

Worcester County and Ashburnham Town property record for 21 Spruce Dr, Ashburnham, MA 01430

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,298 sqft · built 1966
Lot Size	0.372 acres (16,200 sqft)
Owner	2 Individual Names on File
Last Sale	$695,000 (Jun 2026)
Tax Bill	$7,219 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:0046 B:000023`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:0046 B:000023`
Alternative APN	`ABHM M:0046 B:000023`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,298 sqft Living Area
Gross Area	3,666 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	16,200 sqft (0.372 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	21 SPRUCE DR
City	ASHBURNHAM
State	MA
Zip	01430-1010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	23
Jurisdiction	ASHBURNHAM MA
Township / Civil Division	ASHBURNHAM
Census Block Group	4
Census Block	4016
Census Tract	700100

Owner

21 Spruce Dr is owned by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	75 HAWKS CIR, WESTFIELD, MA 01085-1575
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 26, 2026	Quit Claim Deed, Transfer · Conventional Mortgage
Apr 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Jun 5, 2023	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Oct 16, 2017	Deed of Trust, Mortgage DIGITAL FCU
Sep 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Apr 1, 2016 · Amount on File
Deed Document Number	20268516
Deed Book / Page	11242 / 360
Prior Transfer Date	Jun 16, 2026
Prior Transfer Doc	0000008516
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Jun 26, 2026
Property Address	21 SPRUCE DR, ASHBURNHAM, MA 01430-1010
Document Number	0000008516
Book / Page	11242 / 360
Instrument Date	Jun 16, 2026
Instrument	20268516
Transaction Type	Transfer
Record Updated	Jul 15, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	75 HAWKS CIR, WESTFIELD, MA 01085-1575

Mortgage

Date	Jun 26, 2026

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	21 SPRUCE DR, ASHBURNHAM, MA 01430-1010
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009934-122
Date	Apr 1, 2021
Book Page	9934/122
Instrument	6977

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	21 SPRUCE DR, ASHBURNHAM, MA 01430-1010
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010572-282
Date	Jun 5, 2023
Book Page	10572/282
Instrument	7263

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jul 1, 2063

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	21 SPRUCE DR, ASHBURNHAM, MA 01430-1010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8936-28
Date	Oct 16, 2017
Book Page	8936/28
Instrument	18750

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	21 SPRUCE DR, ASHBURNHAM, MA 01430-1010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9428-53
Date	Sep 24, 2019
Book Page	9428/53
Instrument	16475

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 21 Spruce Dr was $7,219, 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	$7,219.00 (+0.36%)	$485,500 (+6.31%) Land $139,300 Building $346,200	$520,220 (+24.77%)
2024	$7,193.00 (-4.21%)	$456,700 (+0.66%) Land $139,300 Building $317,400	$416,955
2023	$7,509.00	$453,700 Land $139,300 Building $314,400

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

Flood

FEMA maps place 21 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 21 Spruce Dr is low, with less than 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 81 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Dr

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