4 Spruce Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 4 Spruce Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,900 sqft · built 1958
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,500 (Jan 1993)
Tax Bill	$10,609 (2026)
Deeds & Mortgages	Mar 2025 Line of Credit Jul 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:34-P:049`

Property Details

APN / Parcel Number

Primary APN	`M:34-P:049`
Alternative APN	`NREA M:034.0 B:0000 L:0049.0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	1,900 sqft Living Area
Gross Area	1,720 sqft
1st Floor Area	1,720 sqft
Basement Area	1,200 sqft
Unfinished Basement	772 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 SPRUCE RD
City	NORTH READING
State	MA
Zip	01864-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	49.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1012
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	4 SPRUCE RD, NORTH READING, MA 01864-1720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2025	Deed of Trust, Mortgage · Line of Credit WINTER HILL FSB
Jul 15, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 1993 · Amount on Record
Deed Sale	Jan 15, 1993 · Amount on Record
Deed Document Number	1993195219
Last Transfer Date	Jul 9, 2025
Transfer Doc	0001981060
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	4 SPRUCE RD, NORTH READING, MA 01864-1720
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001974208
Date	Mar 31, 2025
Instrument	1974208

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2045

Interest

Rate Type	Adjustable Rate

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jul 15, 2025
Property Address	4 SPRUCE RD, NORTH READING, MA 01864-1720
Document Number	0001981060
Instrument Date	Jul 9, 2025
Instrument	1981060
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4 SPRUCE RD, NORTH READING, MA 01864-1720

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	$10,609.00 (-0.3%)	$814,800 (-) Land $474,600 Building $340,200	$824,743
2025	$10,641.00 (+7.53%)	$814,800 (+8.77%) Land $474,600 Building $340,200
2024	$9,896.00 (-1.52%)	$749,100 (+4.29%) Land $427,800 Building $321,300
2023	$10,049.00	$718,300 Land $419,600 Building $298,700

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 98% of the US · lower than 96% 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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