95 Spruce St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 95 Spruce St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,216 sqft · built 2004
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$564,900 (May 2015)
Tax Bill	$11,959 (2026)
Deeds & Mortgages	May 2022 Refinance Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`69-59-3528`

Property Details

APN / Parcel Number

Primary APN	`69-59-3528`
Alternative APNs	`FRAM M:069 B:59 L:3528 U:000` `M:485.0 B:0001 L:0187.0` `F_675327_2939587` `12866`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,216 sqft Living Area
Gross Area	3,832 sqft
1st Floor Area	1,064 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12866
Street Address	95 SPRUCE ST
City	FRAMINGHAM
State	MA
Zip	01701-4364
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	59
Legal Lot Number	3528
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	2
Census Block	2002
Census Tract	383903

Owner

Source: Middlesex County and Framingham City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	95 SPRUCE ST, FRAMINGHAM, MA 01701-4364
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ENVOY MORTGAGE LTD
Mar 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK
Sep 5, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage ST MARY'S CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2015 · Amount on Record
Deed Sale	May 15, 2015 · Amount on Record
Prior Sale	Jul 15, 2013 · Amount on Record
Deed Book / Page	65374 / 397
Last Transfer Date	Aug 21, 2023
Transfer Doc	00081963-1
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	95 SPRUCE ST, FRAMINGHAM, MA 01701-4364
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080142-387
Date	May 18, 2022
Book Page	80142/387
Instrument	74481

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	95 SPRUCE ST, FRAMINGHAM, MA 01701-4364
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077165-443
Date	Mar 8, 2021
Book Page	77165/443
Instrument	51524

Lender

Name	NEEDHAM BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Sep 5, 2023
Property Address	95 SPRUCE ST, FRAMINGHAM, MA 01701-4364
Document Number	00081963-1
Book / Page	81963 / 1
Instrument Date	Aug 21, 2023
Instrument	99963
Transaction Type	Transfer
Record Updated	Sep 22, 2023

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	95 SPRUCE ST, FRAMINGHAM, MA 01701-4364

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	95 SPRUCE ST, FRAMINGHAM, MA 01701-4364
Document Number	68793-458
Book / Page	068793 / 000458
Instrument Date	Jan 17, 2017
Transaction Type	Mortgage
Record Updated	Feb 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68793-458
Date	Jan 23, 2017
Book Page	068793/000458
Instrument	11890

Lender

Name	ST MARY'S CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 22, 2032

Tax Assessment & Valuation

Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,959.00 (+3.35%)	$1,010,900 (+4.31%) Land $273,800 Building $695,600	$848,755 (+5.52%)
2025	$11,571.00 (+3.88%)	$969,100 (+8.4%) Land $260,800 Building $708,300	$804,365 (-5.41%)
2024	$11,139.00 (+3.12%)	$894,000 (+8.34%) Land $232,900 Building $661,100	$850,345
2023	$10,802.00	$825,200 Land $207,800 Building $617,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	2 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	None 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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: AT&T.

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