3 Spruce St, Marlborough, MA 01752 Property Records

Middlesex County and Marlborough City property record for 3 Spruce St, Marlborough, MA 01752

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,691 sqft · built 1890
Lot Size	0.104 acres (4,509 sqft)
Owner	Company Name on File
Last Sale	$302,500 (Sep 2018)
Tax Bill	$4,896 (2025)
Deeds & Mortgages	May 2022 Refinance Apr 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`109121`

Property Details

APN / Parcel Number

Primary APN	`109121`
Alternative APN	`MARL M:070 B:192 L:000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,691 sqft Living Area
Gross Area	3,960 sqft
Basement Area	961 sqft
Unfinished Basement	880 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,509 sqft (0.104 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	109121
Street Address	3 SPRUCE ST
City	MARLBOROUGH
State	MA
Zip	01752-3203
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RC
Legal Block	192
Jurisdiction	MARLBOROUGH MA
Township / Civil Division	MARLBOROUGH
Census Block Group	2
Census Block	2029
Census Tract	321301

Owner

3 Spruce St, a duplex, is owned by a company that acquired it in April 2020.

Source: Middlesex County and Marlborough City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	72 NEWTONVILLE AVE, NEWTON, MA 02458-1939
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BROOKLINE BANK
Apr 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 3, 2017	Quit Claim Deed, Transfer · Commercial Mortgage WALPOLE COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Prior Sale	Mar 3, 2017 · Amount on File
Deed Book / Page	71591 / 430
Last Transfer Date	Apr 29, 2020
Transfer Doc	74580-96
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARLBOROUGH MA
Property Address	3 SPRUCE ST, MARLBOROUGH, MA 01752-3203
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080197-161
Date	May 27, 2022
Book Page	80197/161
Instrument	80544

Lender

Name	BROOKLINE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARLBOROUGH MA
Recording Date	Apr 30, 2020
Property Address	3 SPRUCE ST, MARLBOROUGH, MA 01752-3203
Document Number	74580-96
Book / Page	074580 / 000096
Instrument Date	Apr 29, 2020
Instrument	64498
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1802 BROOKLINE MA 024460015, BROOKLINE, MA 02446-0015

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARLBOROUGH MA
Recording Date	Mar 3, 2017
Property Address	3 SPRUCE ST, MARLBOROUGH, MA 01752-3203
Document Number	68971-196
Book / Page	68971 / 196
Instrument	33720
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30.96
Amount Accuracy	Non-Arm's Length Transaction
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	689710201
Date	Mar 3, 2017
Instrument	68971/0201

Lender

Name	WALPOLE COOPERATIVE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3 Spruce St was $4,896, up 5.8% from the year before.

Source: Middlesex County and Marlborough City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Marlborough City
Unified School District	Marlborough School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,896.00 (+5.81%)	$496,600 (+9.89%) Land $152,900 Building $343,700	$589,179
2024	$4,627.00 (-3.82%)	$451,900 (+8.4%) Land $139,000 Building $312,900
2023	$4,811.00	$416,900 Land $107,100 Building $309,800

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

Flood

FEMA maps place 3 Spruce St in Zone X, an area of minimal flood risk.

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	2 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 3 Spruce St 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	None beyond ember reach

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	MARLBOROUGH DPW WATER DIV. (MWRA) serves 41,799 people · EPA ID MA2170000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2024
Lead	1 ppb (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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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