Middlesex County and Reading Town property record for 91 Spruce Rd, Reading, MA 01867 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1978 |
| Square Footage | 2,587 sqft Living Area |
| Lot Size | 20,042 sqft (0.46 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $610,000 (2012) |
| Tax Bill | $11,309.00 (2025) |
| Primary APN | READ M:032.0-0000-0225.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,587 sqft Living Area |
| Gross Area | 4,056 sqft Gross Area |
| 1st Floor | 684 sqft 1st Floor |
| Basement Area | 1,118 sqft Basement |
| Unfinished Basement | 637 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 20,042 sqft (0.46 acres) |
| Garage Type | Attached Garage |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Account Number | 1350000000500 |
|---|---|
| Street Address | 91 SPRUCE RD |
| City | READING |
| State | MA |
| Zip | 01867-1446 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Minor Civil Division | READING |
| Census Blockgroup | 4 |
| Census Block | 4006 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records · APN READ M:032.0-0000-0225.0
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 | 91 SPRUCE RD, READING, MA 01867-1446 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 17, 2026 | Quit Claim Deed, Transfer · Adjustable Rate Mortgage (ARM) BANK OF AMERICA |
| Nov 21, 2018 | Deed of Trust, Mortgage · Closed End Mortgage READING COOPERATIVE BANK |
| Apr 21, 2020 | Deed of Trust, Mortgage · Stand Alone Refinance MORTGAGE NETWORK INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 26, 2012 · Amount on Record |
| Deed Sale | Oct 26, 2012 · Amount on Record |
| Deed Book / Page | 60346 / 202 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 17, 2026 |
| Property Address | 91 SPRUCE RD, READING, MA 01867-1446 |
| Document Number | 0000088748 |
| Book / Page | 85892 / 321 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202688748 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 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 | Tenant By Entirety |
| Address | 91 SPRUCE RD, READING, MA 01867-1446 |
| Date | Jul 17, 2026 |
|---|
| Name | BANK OF AMERICA |
|---|
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Type Change Date | Aug 01, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 91 SPRUCE RD, READING, MA 01867-1446 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 71918-111 |
|---|---|
| Date | Nov 21, 2018 |
| Book Page | 71918/111 |
| Instrument | 179038 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Closed End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 91 SPRUCE RD, READING, MA 01867-1446 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74505-492 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 74505/492 |
| Instrument | 58284 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
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 | $11,309.00 (+1.12%) | $992,900 (+4.04%) Land $519,800 Building $473,100 | $1,058,110 (+1.14%) |
| 2024 | $11,184.00 (+3.13%) | $954,300 (+10.78%) Land $499,400 Building $454,900 | $1,046,235 |
| 2023 | $10,845.00 | $861,400 Land $450,200 Building $411,200 |
91 Spruce Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Middlesex County (25017C), updated September 10, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures