46 Spruce St, Clinton, MA 01510 Property Records

Worcester County and Clinton Town property record for 46 Spruce St, Clinton, MA 01510

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,430 sqft · built 1896
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on File
Last Sale	$87,500 (Aug 1994)
Tax Bill	$4,733 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`CLIN M:0043 B:3181 L:0000`

Property Details

APN / Parcel Number

Primary APN	`CLIN M:0043 B:3181 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,430 sqft Living Area
Gross Area	2,746 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,750 sqft (0.201 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	46 SPRUCE ST
City	CLINTON
State	MA
Zip	01510-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3181
Jurisdiction	CLINTON MA
Township / Civil Division	CLINTON
Census Block Group	2
Census Block	2011
Census Tract	716300

Owner

46 Spruce St is owned and occupied by two individuals who bought it in August 1994.

Source: Worcester County and Clinton Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 SPRUCE ST, CLINTON, MA 01510-2719
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit CLINTON SAVINGS BANK
Oct 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CLINTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 1994 · Amount on File
Deed Sale	Aug 2, 1994 · Amount on File
Prior Sale	Oct 30, 1992 · Amount on File
Deed Book / Page	16480 / 300
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MA
Recording Date	Aug 20, 2026
Property Address	46 SPRUCE ST, CLINTON, MA 01510-2719
Document Number	0000072371
Book / Page	74056 / 108
Instrument Date	Aug 14, 2026
Instrument	202672371
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 SPRUCE ST, CLINTON, MA 01510-2719

Mortgage

Document Number	0000072371,
Date	Aug 20, 2026
Book Page	74056/108
Instrument	202672371

Lender

Name	CLINTON SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MA
Property Address	46 SPRUCE ST, CLINTON, MA 01510-2719
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66198-117
Date	Oct 1, 2021
Book Page	66198/117
Instrument	138104

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 46 Spruce St was $4,733, up 8.8% from the year before.

Source: Worcester County and Clinton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Clinton Town
Unified School District	Clinton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,733.00 (+8.83%)	$364,600 (+11.5%) Land $112,000 Building $252,600	$476,995 (-)
2025	$4,349.00 (+5.84%)	$327,000 (+4.57%) Land $101,800 Building $225,200	$476,995 (+1.54%)
2024	$4,109.00 (+6.81%)	$312,700 (+8.69%) Land $101,800 Building $210,900	$469,775
2023	$3,847.00	$287,700 Land $92,600 Building $195,100

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

Flood

FEMA maps place 46 Spruce St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	16 (1998–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 15 claims

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

Wildfire risk around 46 Spruce St 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLINTON WATER DEPT serves 15,428 people · EPA ID MA2064000
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: AT&T, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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