Worcester County and Westminster Town property record for 45 Spruce Rd, Westminster, MA 01473
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,751 sqft · built 1977 |
| Lot Size | 1.99 acres (86,871 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Apr 2015) |
| Tax Bill | $5,311 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:3 B:40 L:8 |
| Primary APN | M:3 B:40 L:8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,751 sqft Living Area |
| Gross Area | 4,696 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 86,871 sqft (1.99 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 291 |
|---|---|
| Street Address | 45 SPRUCE RD |
| City | WESTMINSTER |
| State | MA |
| Zip | 01473-1506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Lot Number | 22 |
| Jurisdiction | WESTMINSTER MA |
| Township / Civil Division | WESTMINSTER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 708100 |
45 Spruce Rd is owned and occupied by two individuals who bought it in April 2015.
Source: Worcester County and Westminster Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 SPRUCE RD, WESTMINSTER, MA 01473-1506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2015 · Amount on File |
| Deed Sale | Apr 3, 2015 · Amount on File |
| Prior Sale | Apr 27, 1995 · Amount on File |
| Deed Book / Page | 8299 / 340 |
| Transfer Doc | 008299-340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMINSTER MA |
| Property Address | 45 SPRUCE RD, WESTMINSTER, MA 01473-1506 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 009847-307 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 9847/307 |
| Instrument | 202100000701 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
The 2026 property tax bill for 45 Spruce Rd was $5,311, down 1.3% from the year before.
Source: Worcester County and Westminster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Westminster Town |
| Unified School District | Ashburnham-Westminster School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,311.00 (-1.32%) | $452,800 (+3.47%) Land $133,400 Building $319,400 | $523,260 (+7.06%) |
| 2025 | $5,382.00 (+4.36%) | $437,600 (+4.04%) Land $133,400 Building $304,200 | $488,775 |
| 2024 | $5,157.00 (-2.39%) | $420,600 (+3.98%) Land $133,400 Building $287,200 | |
| 2023 | $5,283.00 | $404,500 Land $124,800 Building $279,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Spruce Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · 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 | 2 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 risk around 45 Spruce Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
4G LTE only, no 5G reported
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