34 Spaulding Ln, Groton, MA 01450 Property Records

Middlesex County and Groton Town property record for 34 Spaulding Ln, Groton, MA 01450

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,190 sqft · built 1989
Lot Size	0.954 acres (41,554 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Aug 2023)
Tax Bill	$14,085 (2026)
Deeds & Mortgages	Jan 2022 Refinance May 2021 Refinance + 7 more
Flood Zone	Zone X (minimal risk)
APN	`GROT M:202 B:42 L`

Property Details

APN / Parcel Number

Primary APN	`GROT M:202 B:42 L`
Alternative APNs	`GRTN M:202 B:42 L` `708`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,190 sqft Living Area
Gross Area	6,458 sqft
1st Floor Area	1,570 sqft
Basement Area	1,552 sqft
Unfinished Basement	1,552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,554 sqft (0.954 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	708
Street Address	34 SPAULDING LN
City	GROTON
State	MA
Zip	01450-1138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	CROSSWINDS 02
Legal Block	42
Jurisdiction	GROTON MA
Township / Civil Division	GROTON
Census Block Group	3
Census Block	3001
Census Tract	326101

Owner

34 Spaulding Ln is owned and occupied by an individual who bought it in August 2023.

Source: Middlesex County and Groton Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	34 SPAULDING LN, GROTON, MA 01450-1138
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
Jan 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
May 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SOFI LENDING CORP
Jul 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Aug 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage US BANK NA
Dec 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Dec 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Dec 6, 2018	Deed of Trust, Mortgage · Conventional with PMI LEOMINSTER CU
Dec 6, 2018	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Jul 20, 2018	Quit Claim Deed, Transfer LENDUSA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2023 · Amount on File
Deed Sale	Aug 1, 2023 · Amount on File
Prior Sale	Jul 20, 2018 · Amount on File
Deed Book / Page	81840 / 358
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079491-457
Date	Jan 6, 2022
Book Page	79491/457
Instrument	2902

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077797-120
Date	May 18, 2021
Book Page	77797/120
Instrument	112387

Lender

Name	SOFI LENDING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080421-48
Date	Jul 13, 2022
Book Page	80421/48
Instrument	106254

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2047

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GROTON MA
Recording Date	Aug 1, 2023
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Document Number	081840-358
Book / Page	81840 / 358
Instrument Date	Aug 1, 2023
Instrument	85596
Transaction Type	Transfer
Record Updated	Aug 18, 2023

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	34 SPAULDING LN, GROTON, MA 01450-1138

Mortgage

Document Number	0000085597
Date	Aug 1, 2023
Instrument	85597

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73793-381
Date	Dec 10, 2019
Book Page	73793/381
Instrument	194460

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73793-403
Date	Dec 10, 2019
Book Page	73793/403
Instrument	194461

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Jan 1, 2046

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Document Number	71992-222
Instrument Date	Dec 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 SPAULDING LN GROTON MA 014501138, GROTON, MA 01450-1138

Mortgage

Document Number	71992-222
Date	Dec 11, 2018
Book Page	071992/000222
Instrument	8100

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2048

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Document Number	71992-243
Instrument Date	Dec 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SPAULDING LN GROTON MA 014501138, GROTON, MA 01450-1138

Mortgage

Document Number	71992-243
Date	Dec 11, 2018
Book Page	071992/000243
Instrument	8101

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 10, 2038

Interest

Rate Type	Adjustable Rate

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GROTON MA
Recording Date	Jul 20, 2018
Property Address	34 SPAULDING LN, GROTON, MA 01450-1138
Document Number	71352-218
Book / Page	71352 / 218
Instrument	109382
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$86.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SPAULDING LN, GROTON, MA 01450-1138

Mortgage

Document Number	713520223
Date	Jul 20, 2018
Instrument	71352/0223

Lender

Name	LENDUSA LLC

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 20, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 34 Spaulding Ln was $14,085, up 7.7% from the year before.

Source: Middlesex County and Groton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Groton Town
Unified School District	Groton-Dunstable School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,085.00 (+7.68%)	$953,000 (+11.11%) Land $242,100 Building $710,900	$909,340 (-)
2025	$13,080.00 (+3.69%)	$857,700 (+2.61%) Land $220,100 Building $637,600	$909,340 (+8.33%)
2024	$12,614.00 (+8.61%)	$835,900 (+12.56%) Land $220,100 Building $615,800	$839,420
2023	$11,614.00 (+9.22%)	$742,600 (+20.05%) Land $220,100 Building $522,500
2022	$10,634.00	$618,600 Land $193,600 Building $425,000

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

Flood

FEMA maps place 34 Spaulding Ln 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 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	4 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 34 Spaulding Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	0.02% 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	WEST GROTON WATER SUPPLY DISTRICT serves 1,853 people · EPA ID MA2115001
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024) 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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