4 Spruce Rd, Norfolk, MA 02056 Property Records

Norfolk County and Norfolk Town property record for 4 Spruce Rd, Norfolk, MA 02056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,976 sqft · built 1988
Lot Size	1.54 acres (67,197 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Dec 2006)
Tax Bill	$9,871 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NORF M:0012 B:0062 L:0227`

Property Details

APN / Parcel Number

Primary APN	`NORF M:0012 B:0062 L:0227`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
Gross Area	3,204 sqft
Basement Area	715 sqft
Unfinished Basement	715 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	67,197 sqft (1.54 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 SPRUCE RD
City	NORFOLK
State	MA
Zip	02056-1526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	62
Legal Lot Number	227
Jurisdiction	NORFOLK MA
Township / Civil Division	NORFOLK
Census Block Group	2
Census Block	2032
Census Tract	409102

Owner

4 Spruce Rd is owned and occupied by two individuals who bought it in December 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 SPRUCE RD, NORFOLK, MA 02056-1526
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
Dec 14, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) QUINCY CREDIT UNION
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTRY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2006 · Amount on File
Deed Sale	Dec 28, 2006 · Amount on File
Prior Sale	Jan 29, 2004 · Amount on File
Deed Document Number	2006123809
Deed Book / Page	24406 / 465
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK MA
Property Address	4 SPRUCE RD, NORFOLK, MA 02056-1526
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040969-306
Date	Dec 14, 2022
Book Page	40969/306
Instrument	104508

Lender

Name	QUINCY CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	49 Months
Due	Jan 1, 2027

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORFOLK MA
Property Address	4 SPRUCE RD, NORFOLK, MA 02056-1526
Document Number	38662-259
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 SPRUCE RD NORFOLK MA 020561526, NORFOLK, MA 02056-1526

Mortgage

Document Number	38662-259
Date	Nov 25, 2020
Book Page	038662/000259
Instrument	132881

Lender

Name	CROSS CNTRY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 24, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 4 Spruce Rd was $9,871, up 5.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Norfolk Town
Secondary School District	King Philip School District (07 - 12)
Elementary School District	Norfolk School District (PK - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,871.00 (+5.91%)	$663,800 (+13.74%) Land $306,700 Building $357,100	$660,060 (+5.93%)
2025	$9,320.00 (+4.65%)	$583,600 (+2.03%) Land $246,200 Building $337,400	$623,105
2024	$8,906.00 (+4.97%)	$572,000 (+10.64%) Land $246,200 Building $325,800
2023	$8,484.00	$517,000 Land $246,200 Building $270,800

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

Flood

FEMA maps place 4 Spruce Rd 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 May 26, 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	2 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1983 · tidal / storm surge

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

The area around 4 Spruce Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	NORFOLK WATER DIVISION serves 7,602 people · EPA ID MA2208000
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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