38 Spruce Rd, Westminster, MA 01473 Property Records

Worcester County and Westminster Town property record for 38 Spruce Rd, Westminster, MA 01473

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,020 sqft · built 2015
Lot Size	2.28 acres (99,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Sep 2021)
Tax Bill	$6,969 (2026)
Deeds & Mortgages	Sep 2021 Sale Jul 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WMIN M:150 B:3 L:1`

Property Details

APN / Parcel Number

Primary APN	`WMIN M:150 B:3 L:1`
Alternative APN	`15031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,020 sqft Living Area
Gross Area	3,547 sqft
Basement Area	681 sqft
Unfinished Basement	681 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	99,504 sqft (2.28 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15031
Street Address	38 SPRUCE RD
City	WESTMINSTER
State	MA
Zip	01473-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	3
Legal Lot Number	1
Jurisdiction	WESTMINSTER MA
Township / Civil Division	WESTMINSTER
Census Block Group	2
Census Block	2000
Census Tract	708100

Owner

Source: Worcester County and Westminster 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	38 SPRUCE RD, WESTMINSTER, MA 01473-1506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Quit Claim Deed, Transfer
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit I-C FCU
Sep 19, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 17, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 25, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on Record
Deed Sale	Sep 13, 2021 · Amount on Record
Prior Sale	Mar 25, 2016 · Amount on Record
Deed Book / Page	10104 / 295
Record Updated	Oct 29, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTMINSTER MA
Recording Date	Sep 13, 2021
Property Address	38 SPRUCE RD, WESTMINSTER, MA 01473-1506
Document Number	10104-295
Book / Page	10104 / 295
Instrument Date	Sep 13, 2021
Instrument	20312
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
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	38 SPRUCE RD, WESTMINSTER, MA 01473-1506

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	38 SPRUCE RD, WESTMINSTER, MA 01473-1506
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8864-153
Date	Jul 19, 2017
Book Page	8864/153
Instrument	12401

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2042

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	38 SPRUCE RD, WESTMINSTER, MA 01473-1506
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9168-272
Date	Sep 19, 2018
Book Page	9168/272
Instrument	16298

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	38 SPRUCE RD, WESTMINSTER, MA 01473-1506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9451-233
Date	Oct 17, 2019
Book Page	9451/233
Instrument	18393

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	38 SPRUCE RD, WESTMINSTER, MA 01473-1506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9703-113
Date	Aug 25, 2020
Book Page	9703/113
Instrument	14324

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Worcester County and Westminster Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Westminster Town
Unified School District	Ashburnham-Westminster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,969.00 (+7.08%)	$594,100 (+12.29%) Land $134,200 Building $459,900	$652,707 (+2.21%)
2025	$6,508.00 (+4.19%)	$529,100 (+3.85%) Land $134,200 Building $394,900	$638,590
2024	$6,246.00 (-3.64%)	$509,500 (+2.66%) Land $134,200 Building $375,300
2023	$6,482.00	$496,300 Land $125,500 Building $370,800

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
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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Spruce Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures