Middlesex County and Acton Town property record for 23 Spruce St, #B, Acton, MA 01720
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1.5 ba · 1,433 sqft · built 2011 |
| Lot Size | 0.844 acres (36,802 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $480,000 (Sep 2026) |
| Tax Bill | $8,915 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | F2A-83-5 |
| Primary APN | F2A-83-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,433 sqft Living Area |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Other |
| Lot Area | 36,802 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | F2A-83-5 |
|---|---|
| Street Address | 23 SPRUCE ST, B |
| City | ACTON |
| State | MA |
| Zip | 01720-2906 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | WAV |
| Legal Block | 83 |
| Legal Lot Number | 5 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 363202 |
Source: Middlesex County and Acton Town records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 23B SPRUCE ST # 2A, 2A, ACTON, MA 01720 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Sep 1, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage LIBERTY BANK |
| Jul 7, 2021 | Condominium Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP. |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on Record |
| Deed Sale | Sep 1, 2026 · Amount on Record |
| Prior Sale | Jul 7, 2021 · Amount on Record |
| Deed Document Number | 2026111513 |
| Deed Book / Page | 86092 / 186 |
| Prior Transfer Date | Aug 7, 2026 |
| Prior Transfer Doc | 0000111513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Sep 1, 2026 |
| Property Address | 23 SPRUCE ST, B, ACTON, MA 01720-2906 |
| Document Number | 0000111513 |
| Book / Page | 86092 / 186 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 2026111513 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Date | Sep 1, 2026 |
|---|
| Name | LIBERTY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Type Change Date | Sep 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Jul 7, 2021 |
| Property Address | 23 SPRUCE ST # B, B, ACTON, MA 01720-2906 |
| Document Number | 078193-319 |
| Book / Page | 78193 / 319 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 153491 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 23B SPRUCE ST, ACTON, MA 01720 |
| Document Number | 0000153492 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 153492 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Acton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,915.00 (+18.05%) | $519,800 (+14.75%) Building $519,800 | $559,740 (+2.9%) |
| 2024 | $7,552.00 (+2.28%) | $453,000 (+7.73%) Building $453,000 | $543,970 |
| 2023 | $7,384.00 | $420,500 Building $420,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Dec 2022 · rainfall accumulation |
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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Oct 2024 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 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 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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