34 Spruce Dr, Ashburnham, MA 01430 Property Records

Worcester County and Ashburnham Town property record for 34 Spruce Dr, Ashburnham, MA 01430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 1990
Lot Size	0.301 acres (13,098 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Apr 2021)
Tax Bill	$6,393 (2025)
Deeds & Mortgages	May 2023 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:0046 B:000048`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:0046 B:000048`
Alternative APN	`ABHM M:0046 B:000048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,638 sqft Living Area
Gross Area	3,784 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,098 sqft (0.301 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	34 SPRUCE DR
City	ASHBURNHAM
State	MA
Zip	01430-1058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	48
Jurisdiction	ASHBURNHAM MA
Township / Civil Division	ASHBURNHAM
Census Block Group	4
Census Block	4015
Census Tract	700100

Owner

Source: Worcester County and Ashburnham Town records, as of July 20, 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	34 SPRUCE DR, ASHBURNHAM, MA 01430-1058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Apr 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Deed Document Number	20219211
Deed Book / Page	9961 / 255
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	34 SPRUCE DR, ASHBURNHAM, MA 01430-1058
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010559-358
Date	May 12, 2023
Book Page	10559/358
Instrument	6179

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Apr 30, 2021
Property Address	34 SPRUCE DR, ASHBURNHAM, MA 01430-1058
Document Number	9961-255
Book / Page	9961 / 255
Instrument Date	Apr 30, 2021
Instrument	9211
Transaction Type	Transfer
Record Updated	May 14, 2021

Transaction

Amount	Amount Recorded
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	101 LENNON ST, GARDNER, MA 01440-3942

Mortgage

Document Number	9212
Date	Apr 30, 2021
Instrument	9212

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$6,393.00 (+4%)	$429,900 (+10.15%) Land $33,800 Building $396,100	$507,110 (+2.69%)
2024	$6,147.00 (+4.33%)	$390,300 (+9.63%) Land $33,800 Building $356,500	$493,810
2023	$5,892.00	$356,000 Land $33,800 Building $322,200

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

Flood

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 Record 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

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

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