86 Spruce Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 86 Spruce Rd, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,902 sqft · built 1968
Lot Size	0.465 acres (20,273 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Feb 2025)
Tax Bill	$10,318 (2025)
Deeds & Mortgages	May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`READ M:038.0-0000-0061.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:038.0-0000-0061.0`
Alternative APNs	`M:038.0=0000=0061.0` `1350000000390` `1350000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,902 sqft Living Area
Gross Area	3,582 sqft
1st Floor Area	1,100 sqft
Basement Area	1,352 sqft
Unfinished Basement	852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,273 sqft (0.465 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1350000000390
Street Address	86 SPRUCE RD
City	READING
State	MA
Zip	01867-1447
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4004
Census Tract	334300

Owner

Source: Middlesex County and Reading Town records · APN READ M:038.0-0000-0061.0

Assessment roll updated April 14, 2026 · Last verified July 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	86 SPRUCE RD, READING, MA 01867-1447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 28, 2025 · Amount on Record
Deed Sale	Feb 28, 2025 · Amount on Record
Prior Sale	Oct 31, 1991 · Amount on Record
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	86 SPRUCE RD, READING, MA 01867-1447
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072615-478
Date	May 17, 2019
Book Page	72615/478
Instrument	64369

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,318.00 (+1.14%)	$905,900 (+4.07%) Land $520,700 Building $385,200	$803,795 (-2.98%)
2024	$10,202.00 (+3.17%)	$870,500 (+10.82%) Land $500,200 Building $370,300	$828,495
2023	$9,889.00	$785,500 Land $451,000 Building $334,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.