54 Spruce St, Milton, MA 02186 Property Records

Norfolk County and Milton Town property record for 54 Spruce St, Milton, MA 02186

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,002 sqft · built 1920
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$855,000 (Mar 2022)
Tax Bill	$9,860 (2025)
Deeds & Mortgages	Apr 2021 Refinance Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MILT M:I B:014 L:15`

Property Details

APN / Parcel Number

Primary APN	`MILT M:I B:014 L:15`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,002 sqft Living Area
Gross Area	3,308 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	54 SPRUCE ST
City	MILTON
State	MA
Zip	02186-4647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	MOUNT PLEASANT
Legal Block	14
Legal Lot Number	15
Jurisdiction	MILTON MA
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1010
Census Tract	416101

Owner

54 Spruce St is owned and occupied by two individuals who bought it in March 2022.

Source: Norfolk County and Milton Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	54 SPRUCE ST, MILTON, MA 02186-4647
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
Apr 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PLAZA HOME MORTGAGE INC
Mar 15, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
May 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Jul 12, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance ENVISION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Aug 11, 1997 · Amount on File
Deed Book / Page	40388 / 464
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILTON MA
Property Address	54 SPRUCE ST, MILTON, MA 02186-4647
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039226-394
Date	Apr 2, 2021
Book Page	39226/394
Instrument	43568

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

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

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILTON MA
Recording Date	Mar 15, 2022
Property Address	54 SPRUCE ST, MILTON, MA 02186-4647
Document Number	040388-464
Book / Page	40388 / 464
Instrument Date	Mar 15, 2022
Instrument	23166
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	54 SPRUCE ST, MILTON, MA 02186-4647

Mortgage

Document Number	0000023167
Date	Mar 15, 2022
Instrument	23167

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILTON MA
Property Address	54 SPRUCE ST, MILTON, MA 02186-4647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37838-424
Date	May 4, 2020
Book Page	37838/424
Instrument	40208

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2040

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILTON MA
Recording Date	Jul 12, 2019
Property Address	54 SPRUCE ST, MILTON, MA 02186-4647
Document Number	36957-165
Book / Page	36957 / 165
Instrument Date	Jul 9, 2019
Instrument	57764
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	54 SPRUCE ST, MILTON, MA 02186-4647

Mortgage

Document Number	36957-167
Date	Jul 12, 2019
Book Page	36957/167
Instrument	57765

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 54 Spruce St was $9,860, up 3.5% from the year before.

Source: Norfolk County and Milton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Milton Town
Unified School District	Milton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,860.00 (+3.45%)	$889,100 (+1.87%) Land $502,900 Building $386,200	$1,000,540
2024	$9,531.00 (+7.05%)	$872,800 (+11.75%) Land $478,900 Building $393,900
2023	$8,903.00	$781,000 Land $425,800 Building $355,200

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

Flood

FEMA maps place 54 Spruce St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective May 26, 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	1 in force
Nearby Flood Claims	8 (1978–2009)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Apr 2009 · rainfall accumulation
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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

The area around 54 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MILTON WATER DEPT. (MWRA) serves 28,630 people · EPA ID MA3189000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Netafy, Norwood Broadband.

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