Middlesex County and North Reading Town property record for 45 Spruce Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,613 sqft · built 1993 |
| Lot Size | 0.922 acres (40,162 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,367,000 (Nov 2021) |
| Tax Bill | $20,530 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:25-P:075 |
| Primary APN | M:25-P:075 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,613 sqft Living Area |
| 1st Floor Area | 2,090 sqft |
| Basement Area | 2,072 sqft |
| Unfinished Basement | 635 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 40,162 sqft (0.922 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 45 SPRUCE RD |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-1730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 75.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 330201 |
Source: Middlesex County and North Reading Town records · APN M:25-P:075
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 45 SPRUCE RD, NORTH READING, MA 01864-1730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 07, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LUCIA MODA LT |
| Nov 04, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 04, 2021 · Amount on Record |
| Deed Sale | Nov 04, 2021 · Amount on Record |
| Prior Sale | Feb 21, 1992 · Amount on Record |
| Deed Document Number | 2021242041 |
| Deed Book / Page | 79075 / 73 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 45 SPRUCE RD, NORTH READING, MA 01864-1730 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078634-231 |
|---|---|
| Date | Sep 07, 2021 |
| Book Page | 78634/231 |
| Instrument | 198581 |
| Name | LUCIA MODA LT |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Nov 04, 2021 |
| Property Address | 45 SPRUCE RD, NORTH READING, MA 01864-1730 |
| Document Number | 0079075-73 |
| Book / Page | 79075 / 73 |
| Instrument Date | Nov 04, 2021 |
| Instrument | 242041 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 SPRUCE RD, NORTH READING, MA 01864-1730 |
| Document Number | 0000242043 |
|---|---|
| Date | Nov 04, 2021 |
| Instrument | 242043 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and North Reading Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $20,530.00 (+2.08%) | $1,572,000 (+3.26%) Land $502,700 Building $1,069,300 |
| 2024 | $20,111.00 (+2.63%) | $1,522,400 (+8.69%) Land $453,100 Building $1,069,300 |
| 2023 | $19,596.00 | $1,400,700 Land $444,500 Building $956,200 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: T-Mobile USA.
Based on FCC filings for 136 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTH READING WATER DEPT. serves 16,379 people |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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