54 Spruce Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 54 Spruce Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,629 sqft · built 1987
Lot Size	0.921 acres (40,119 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,175,000 (Mar 2023)
Tax Bill	$14,903 (2026)
Deeds & Mortgages	Jun 2025 Transfer Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:34-P:122`

Property Details

APN / Parcel Number

Primary APN	`M:34-P:122`
Alternative APN	`NREA M:034.0 B:0000 L:0122.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,629 sqft Living Area
Gross Area	1,498 sqft
1st Floor Area	1,498 sqft
Basement Area	1,498 sqft
Unfinished Basement	1,498 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,119 sqft (0.921 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	54 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	122.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1009
Census Tract	330201

Owner

Source: Middlesex County and North Reading 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 Record
Mailing Address	54 SPRUCE RD, NORTH READING, MA 01864-1728
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Quit Claim Deed, Transfer Quitclaim
Mar 31, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Aug 27, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 19, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Prior Sale	Aug 5, 2016 · Amount on Record
Deed Document Number	202332675
Deed Book / Page	81388 / 433
Last Transfer Date	Jun 2, 2025
Transfer Doc	084297-383
Record Updated	Oct 29, 2026

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jun 30, 2025
Property Address	54 SPRUCE RD, NORTH READING, MA 01864-1728
Document Number	084297-383
Book / Page	84297 / 383
Instrument Date	Jun 2, 2025
Instrument	75284
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	54 SPRUCE RD, NORTH READING, MA 01864-1728

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Mar 31, 2023
Property Address	54 SPRUCE RD, NORTH READING, MA 01864-1728
Document Number	081388-433
Book / Page	81388 / 433
Instrument Date	Mar 31, 2023
Instrument	32675
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	54 SPRUCE RD, NORTH READING, MA 01864-1728

Mortgage

Document Number	0000032676
Date	Mar 31, 2023
Instrument	32676

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2033
Max Rate At Change	2.75%
Index	Other

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Aug 27, 2019
Property Address	54 SPRUCE RD, NORTH READING, MA 01864-1728
Document Number	73179-72
Book / Page	073179 / 000072
Instrument Date	Aug 26, 2019
Instrument	128213
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 SPRUCE RD NORTH READING MA 018641728, NORTH READING, MA 01864-1728

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Apr 19, 2018
Property Address	54 SPRUCE RD, NORTH READING, MA 01864-1728
Document Number	70891-272
Book / Page	070891 / 000272
Instrument Date	Mar 7, 2018
Instrument	53297
Transaction Type	Transfer
Record Updated	May 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54 SPRUCE RD NORTH READING MA 018641728, NORTH READING, MA 01864-1728

Tax Assessment & Valuation

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,903.00 (+0.95%)	$1,144,600 (+1.26%) Land $502,700 Building $641,900	$1,294,760
2025	$14,763.00 (+3.41%)	$1,130,400 (+4.6%) Land $502,700 Building $627,700
2024	$14,276.00 (+14.02%)	$1,080,700 (+20.75%) Land $453,000 Building $627,700
2023	$12,521.00	$895,000 Land $444,400 Building $450,600

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

Flood

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.

Wildfire

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	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures