Middlesex County and North Reading Town property record for 48 Spruce Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,834 sqft · built 1988 |
| Lot Size | 0.919 acres (40,032 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,220,000 (Feb 2023) |
| Tax Bill | $14,426 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:25-P:084 |
| Primary APN | M:25-P:084 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 3 Stories |
| Building Area | 2,834 sqft Living Area |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 1,156 sqft |
| Unfinished Basement | 412 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,032 sqft (0.919 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 48 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 | 84.0 |
| 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 · APN M:25-P:084
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 | 48 SPRUCE RD, NORTH READING, MA 01864-1728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 03, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA |
| Feb 24, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 03, 2023 · Amount on Record |
| Deed Sale | Feb 03, 2023 · Amount on Record |
| Deed Document Number | 202312531 |
| Deed Book / Page | 81223 / 399 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Feb 03, 2023 |
| Property Address | 48 SPRUCE RD, NORTH READING, MA 01864-1728 |
| Document Number | 081223-399 |
| Book / Page | 81223 / 399 |
| Instrument Date | Feb 02, 2023 |
| Instrument | 12531 |
| 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 | 48 SPRUCE RD, NORTH READING, MA 01864-1728 |
| Document Number | 0000012532 |
|---|---|
| Date | Feb 03, 2023 |
| Instrument | 12532 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 48 SPRUCE RD, NORTH READING, MA 01864-1728 |
| Document Number | 74253-163 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 48 SPRUCE RD NORTH READING MA 018641728, NORTH READING, MA 01864-1728 |
| Document Number | 74253-163 |
|---|---|
| Date | Mar 09, 2020 |
| Book Page | 074253/000163 |
| Instrument | 34920 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 08, 2050 |
| Rate Type | Adjustable Rate |
|---|
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 | $14,426.00 (+3.51%) | $1,104,600 (+4.7%) Land $502,600 Building $602,000 |
| 2024 | $13,937.00 (+9.71%) | $1,055,000 (+16.19%) Land $453,000 Building $602,000 |
| 2023 | $12,703.00 | $908,000 Land $444,300 Building $463,700 |
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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None 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.
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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