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Single Family ResidenceResidential
$1,126,214$406 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $387,939 on Nov 16, 1989

20 SPRUCE RD

NORTH READING, MA 01864
3
Beds
3 / 1
Baths
2,774 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$982K low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$387,939 · Nov 16, 1989

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,710 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,049,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$525,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$524,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,049,800

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyMiddlesex
Lot (acres)The size of the land the home sits on, from county records.2.33
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
North Reading Middle SchoolA-
Middle · Grades 6–8 · 0.8 mi
H
North Reading High SchoolA
High · Grades 9–12 · 0.9 mi
E
E. Ethel Little Elementary SchoolA-
Elementary · Grades KG–5 · 1.3 mi

District: North Reading School District

Neighborhood · ZIP 01864These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.38
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.87

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.15,861
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,181 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$140,298
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$192,654
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20 Spruce Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 80% of homes in North Reading 01864
  • Costs less per square foot than 65% of homes in North Reading 01864
  • Bigger than 81% of homes in Middlesex County
  • Has a bigger lot than 92% of homes in North Reading 01864
  • Newer than 82% of homes in Middlesex County

What homes are worth in North Reading 01864

Each bar is how many homes fall in that price range. The marker is this home.

This home
$294K$1.8M

This home is worth more than 80% of homes in North Reading 01864.

How it measures up in North Reading 01864

The dot is this home. The mark in the middle is the typical home in North Reading 01864.

Estimated value$1,126,214
CheaperTypical $786,157Pricier

Pricier than 80% of homes nearby

Price per ft²$406
CheaperTypical $435Pricier

Pricier than 35% of homes nearby

Living area2,774 ft²
SmallerTypical 1,776 ft²Bigger

Bigger than 78% of homes nearby

Lot size2.33 ac
SmallerTypical 0.71 acBigger

Bigger than 92% of homes nearby

Year built1989
OlderTypical 1974Newer

Newer than 68% of homes nearby

How 20 Spruce Rd ranks against every home in each area.
MeasureThis homeNorth Reading 01864Middlesex County
Estimated valuepricier than$1,126,21480% of homes77% of homes
Price per ft²pricier than$40635% of homes35% of homes
Living areabigger than2,774 ft²78% of homes81% of homes
Lot sizebigger than2.33 ac92% of homes90% of homes
Year builtnewer than198968% of homes82% of homes

About 20 Spruce Rd

How much is 20 Spruce Rd, North Reading, MA worth?

The TopHap Estimate for 20 Spruce Rd, North Reading, MA is $1,126,214 as of Sep 24, 2026. The likely range is $981,554 to $1,270,874. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Spruce Rd, North Reading, MA last sell?

20 Spruce Rd, North Reading, MA last sold on Nov 16, 1989 for $387,939, according to the county's recorded deed.

How big is 20 Spruce Rd, North Reading, MA?

20 Spruce Rd, North Reading, MA has 3 bedrooms, 3 bathrooms, 2,774 square feet of living space and a 2.33-acre lot.

When was 20 Spruce Rd, North Reading, MA built?

20 Spruce Rd, North Reading, MA was built in 1989, making it 37 years old. It is a colonial home. The building has 2 stories.

What schools serve 20 Spruce Rd, North Reading, MA?

20 Spruce Rd, North Reading, MA is assigned to North Reading Middle School (middle), rated A-; North Reading High School (high), rated A; E. Ethel Little Elementary School (elementary), rated A-. All sit in North Reading School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Spruce Rd, North Reading, MA compare to other homes in North Reading 01864?

Among the 5,464 homes in North Reading 01864, it is worth more than 80% of them ($1,126,214 against a typical $786,157), its price per square foot is higher than 35% of them ($406 against a typical $435), it is bigger than 78% of them (2,774 ft² against a typical 1,776 ft²), its lot is bigger than 92% of them (2.33 ac against a typical 0.71 ac) and it is newer than 68% of them (1989 against a typical 1974). Measured against all of Middlesex County, it is worth more than 77% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20 Spruce Rd, North Reading, MA?

The 2025 property tax bill for 20 Spruce Rd, North Reading, MA was $13,710. The county assessed it at $1,049,800.

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