Middlesex County and North Reading Town property record for 46 Spruce Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 4,494 sqft · built 1987 |
| Lot Size | 0.919 acres (40,032 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $635,000 (Jun 2012) |
| Tax Bill | $21,000 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:25-P:085 |
| Primary APN | M:25-P:085 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,494 sqft Living Area |
| 1st Floor Area | 1,548 sqft |
| Basement Area | 1,548 sqft |
| Unfinished Basement | 938 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 40,032 sqft (0.919 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 46 SPRUCE RD |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-1728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 85.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 330201 |
Source: Middlesex County and North Reading Town records, as of April 14, 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 | 46 SPRUCE RD, NORTH READING, MA 01864-1728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2012 · Amount on Record |
| Deed Sale | Jun 8, 2012 · Amount on Record |
| Prior Sale | Oct 7, 1987 · Amount on Record |
| Deed Book / Page | 59257 / 541 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 46 SPRUCE RD, NORTH READING, MA 01864-1728 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 077488-178 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 77488/178 |
| Instrument | 81881 |
| Name | FIRST SB |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $21,000.00 (+2.01%) | $1,608,000 (+3.18%) Land $502,600 Building $1,105,400 |
| 2024 | $20,586.00 (+2.06%) | $1,558,400 (+8.09%) Land $453,000 Building $1,105,400 |
| 2023 | $20,171.00 | $1,441,800 Land $444,300 Building $997,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| 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.
5G (outdoors only) and 4G LTE
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