Essex County and Andover Town property record for 10 Gavin Cir, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,091 sqft · built 1983 |
| Lot Size | 0.706 acres (30,771 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $635,000 (Apr 2015) |
| Tax Bill | $12,737 (2025) |
| Deeds & Mortgages | May 2025 Line of Credit Dec 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00218 B:00012 L:00000 |
| Primary APN | ANDO M:00218 B:00012 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,091 sqft Living Area |
| Gross Area | 6,122 sqft |
| Basement Area | 1,288 sqft |
| Unfinished Basement | 773 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,771 sqft (0.706 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 10 GAVIN CIR |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 12 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 254402 |
10 Gavin Cir is owned and occupied by two individuals who bought it in April 2015.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 27, 2025 | Deed of Trust, Mortgage · Line of Credit EVERETT COOPERATIVE BANK |
| Dec 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK |
| Nov 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2015 · Amount on File |
| Deed Sale | Apr 30, 2015 · Amount on File |
| Deed Book / Page | 14210 / 116 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 10 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 018287-133 |
|---|---|
| Date | May 27, 2025 |
| Book Page | 18287/133 |
| Instrument | 8283 |
| Name | EVERETT COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 10 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 017291-184 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 17291/184 |
| Instrument | 42080 |
| Name | EVERETT COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 10 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 17209-179 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 17209/179 |
| Instrument | 36132 |
| Name | EVERETT COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 10 Gavin Cir was $12,737, up 11.2% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,737.00 (+11.15%) | $1,019,800 (+14.62%) Land $516,400 Building $503,400 | $1,094,780 |
| 2024 | $11,459.00 (+6.89%) | $889,700 (+13.37%) Land $433,000 Building $456,700 | |
| 2023 | $10,720.00 | $784,800 Land $370,200 Building $414,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Gavin Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective July 10, 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 | 3 in force |
| Nearby Flood Claims | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 1996 · Extreme Weather Conditons And Flooding |
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 risk around 10 Gavin Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ANDOVER WATER DEPT serves 36,569 people · EPA ID MA3009000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement currently in violation since Nov 2021 Corrosion control Jan 2022 |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 72 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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