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41 Spruce Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 41 Spruce Rd, North Reading, MA 01864 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 4,949 sqft · built 1994
Lot Size6.08 acres (264,845 sqft)
OwnerIndividual Name on File
Last Sale$1,000,000 (Apr 2006)
Tax Bill$22,902 (2025)
Deeds & MortgagesSep 2025 Mortgage
Dec 2024 Mortgage
Flood ZoneZone X (minimal risk)
APNM:25-P:073

Property Details

APN / Parcel Number

Primary APNM:25-P:073
Alternative APN
  • NREA M:025.0 B:0000 L:0073.0

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms10 Rooms
Stories2 Stories
Building Area4,949 sqft Living Area
1st Floor Area2,165 sqft
Basement Area2,165 sqft
Unfinished Basement2,165 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleContemporary
Exterior MaterialBrick
Construction TypeConcrete
Roof TypeHip
Roof MaterialAsphalt
Lot Area264,845 sqft (6.08 acres)
Garage TypeCarport
CarportCarport
Parking Spaces4 Parking Spaces
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address41 SPRUCE RD
CityNORTH READING
StateMA
Zip01864-1730
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Lot Number73.0
JurisdictionNORTH READING MA
Township / Civil DivisionNORTH READING
Census Block Group1
Census Block1010
Census Tract330201

Owner

Source: Middlesex County and North Reading Town records · APN M:25-P:073

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 RecordIndividual Name on File
Mailing Address41 SPRUCE RD, NORTH READING, MA 01864-1730
OccupancyOwner Occupied
Owner TypeIndividual
VestingIndividual(s)

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2025Deed of Trust, Mortgage
INTL FIDELITY INS CO
Dec 18, 2024Quit Claim Deed, Transfer · ARM
EVERETT COOPERATIVE BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 28, 2006 · Amount on Record
Deed SaleApr 28, 2006 · Amount on Record
Prior SaleJan 26, 1994 · Amount on Record
Deed Book / Page47366 / 473
Last Transfer DateNov 19, 2024
Transfer Doc083596-583
Record UpdatedSep 20, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNORTH READING MA
Property Address41 SPRUCE RD, NORTH READING, MA 01864-1730
Transaction TypeMortgage
Record UpdatedApr 14, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number084642-259
DateSep 22, 2025
Book Page84642/259
Instrument114685
Lender
NameINTL FIDELITY INS CO
Agreement
AmountAmount Recorded

December 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNORTH READING MA
Recording DateDec 18, 2024
Property Address41 SPRUCE RD, NORTH READING, MA 01864-1730
Document Number083596-583
Book / Page83596 / 583
Instrument DateNov 19, 2024
Instrument202400144523
Transaction TypeTransfer
Record UpdatedApr 14, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address41 SPRUCE RD, NORTH READING, MA 01864-1730

Mortgage

Document Number202400144524
DateDec 18, 2024
Instrument202400144524
Lender
NameEVERETT COOPERATIVE BANK
TypeBank
Agreement
TypeARM
AmountAmount Recorded
Term373 Months
DueJan 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.63%
Type Change DateJan 01, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionNorth Reading Town
Unified School DistrictNorth Reading School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$22,902.00 (+8.32%)$1,753,600 (+9.57%) Land $575,500 Building $1,178,100
2024$21,143.00 (-10.37%)$1,600,500 (-5.08%) Land $519,400 Building $1,081,100
2023$23,590.00$1,686,200 Land $510,600 Building $1,175,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173302011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies8 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 143 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFiber980 / 880

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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