40 Spruce St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 40 Spruce St, Acton, MA 01720 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1.5 Baths
Year Built	Built 1920
Square Footage	1,702 sqft Living Area
Lot Size	10,890 sqft (0.25 acres)
Occupancy	Owner Occupied
Last Sale	$200,000 (1998)
Tax Bill	$8,894.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00F2A B:0028 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	1,702 sqft Living Area
Gross Area	2,803 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	10,890 sqft (0.25 acres)

Utilities and HVAC

Heating System	Steam Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Street Address	40 SPRUCE ST
City	ACTON
State	MA
Zip	01720-2434
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	28
Jurisdiction	ACTON MA
Minor Civil Division	ACTON
Census Blockgroup	3
Census Block	3019
Census Tract	363202

Owner

Source: Middlesex County and Acton Town records · APN ACTO M:00F2A B:0028 L:0000

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	40 SPRUCE ST, ACTON, MA 01720-2434
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 01, 1998 · Amount on Record
Deed Sale	Apr 01, 1998 · Amount on Record
Record Refreshed	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	40 SPRUCE ST, ACTON, MA 01720-2434
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68883-325
Date	Feb 13, 2017
Book Page	68883/325
Instrument	22998

Lender

Name	CAMBRIDGE SVGS BK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 01, 2037

Tax Assessment & Valuation

Source: Middlesex County and Acton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Acton Town
Unified School District	Acton-Boxborough Regional School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,894.00 (+9.97%)	$518,600 (+6.88%) Land $265,600 Building $253,000	$743,850 (+4.4%)
2024	$8,088.00 (-0.09%)	$485,200 (+5.25%) Land $265,600 Building $219,600	$712,500
2023	$8,095.00	$461,000 Land $241,400 Building $219,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.