37 Spruce Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 37 Spruce Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,821 sqft · built 1989
Lot Size	0.919 acres (40,032 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,525,000 (Sep 2026)
Tax Bill	$14,193 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:25-P:071`

Property Details

APN / Parcel Number

Primary APN	`M:25-P:071`
Alternative APN	`NREA M:025.0 B:0000 L:0071.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,821 sqft Living Area
Gross Area	2,057 sqft
1st Floor Area	2,057 sqft
Basement Area	1,841 sqft
Unfinished Basement	1,841 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	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,032 sqft (0.919 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	37 SPRUCE RD
City	NORTH READING
State	MA
Zip	01864-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	71.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1010
Census Tract	330201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	37 SPRUCE RD, NORTH READING, MA 01864-1730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Quit Claim Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Prior Sale	Jul 30, 2007 · Amount on Record
Deed Document Number	2026111630
Deed Book / Page	86093 / 282
Prior Transfer Date	Aug 25, 2026
Prior Transfer Doc	0000111630
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Sep 1, 2026
Property Address	37 SPRUCE RD, NORTH READING, MA 01864-1730
Document Number	0000111630
Book / Page	86093 / 282
Instrument Date	Aug 25, 2026
Instrument	2026111630
Transaction Type	Transfer
Record Updated	Sep 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	37 SPRUCE RD, NORTH READING, MA 01864-1730

Mortgage

Date	Sep 1, 2026

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	37 SPRUCE RD, NORTH READING, MA 01864-1730
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085372-522
Date	Mar 23, 2026
Book Page	85372/522
Instrument	31452

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,193.00 (-2.2%)	$1,090,100 (-1.9%) Land $502,500 Building $587,600	$1,420,363
2025	$14,512.00 (+5.14%)	$1,111,200 (+6.35%) Land $502,500 Building $608,700
2024	$13,803.00 (+2.17%)	$1,044,900 (+8.2%) Land $452,900 Building $592,000
2023	$13,510.00	$965,700 Land $444,300 Building $521,400

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 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	8 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 99.1% of the US · lower than 98.7% 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	NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000
Water Source	Purchased surface water from ANDOVER WATER DEPT
Last State Inspection	Dec 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	Coliform assessment Aug 2019
Monitoring and Reporting	1 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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