Middlesex County and Acton Town property record for 51 Spruce St, Acton, MA 01720
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3.5 ba · 3,604 sqft · built 1880 |
| Lot Size | 0.611 acres (26,600 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,025,000 (May 2026) |
| Tax Bill | $12,758 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ACTO M:00F2A B:0018 L:0000 |
| Primary APN | ACTO M:00F2A B:0018 L:0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 14 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 3,604 sqft Living Area |
| Gross Area | 6,864 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,600 sqft (0.611 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 51 SPRUCE ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-2433 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | VR |
| Legal Block | 18 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 363202 |
Source: Middlesex County and Acton Town records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 284 LIBERTY SQUARE RD, BOXBOROUGH, MA 01719-1629 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| May 8, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage JMAC LENDING |
| Jun 14, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2026 · Amount on Record |
| Deed Sale | May 8, 2026 · Amount on Record |
| Prior Sale | Nov 13, 1997 · Amount on Record |
| Deed Document Number | 202652763 |
| Deed Book / Page | 85572 / 42 |
| Prior Transfer Date | Jun 13, 2023 |
| Prior Transfer Doc | 081650-487 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 51 SPRUCE ST, ACTON, MA 01720-2433 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076968-422 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 76968/422 |
| Instrument | 34302 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | May 8, 2026 |
| Property Address | 51 SPRUCE ST, ACTON, MA 01720-2433 |
| Document Number | 0085572-42 |
| Book / Page | 85572 / 42 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.52763 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 284 LIBERTY SQUARE RD, BOXBOROUGH, MA 01719-1629 |
| Date | May 8, 2026 |
|---|
| Name | JMAC LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Jun 14, 2023 |
| Property Address | 51 SPRUCE ST, ACTON, MA 01720-2433 |
| Document Number | 081650-487 |
| Book / Page | 81650 / 487 |
| Instrument Date | Jun 13, 2023 |
| Instrument | 63391 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 SPRUCE ST, ACTON, MA 01720-2433 |
Source: Middlesex County and Acton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $12,758.00 (+14.15%) | $743,900 (+10.95%) Land $278,000 Building $465,900 |
| 2024 | $11,177.00 (-1.35%) | $670,500 (+3.92%) Land $278,000 Building $392,500 |
| 2023 | $11,330.00 | $645,200 Land $252,700 Building $392,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 45 units insured incl. 40 condo units |
| Nearby Flood Claims | 3 (1978–1999) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Feb 1999 · rainfall accumulation |
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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Oct 2024 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 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 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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