10 Nancy Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 10 Nancy Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,496 sqft · built 1959
Lot Size	0.825 acres (35,933 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,500 (Jun 2012)
Tax Bill	$11,335 (2025)
Deeds & Mortgages	Dec 2024 Line of Credit Jun 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00063 B:00034 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00063 B:00034 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,496 sqft Living Area
Gross Area	4,288 sqft
Basement Area	1,072 sqft
Unfinished Basement	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,933 sqft (0.825 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	10 NANCY CIR
City	ANDOVER
State	MA
Zip	01810-6138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	FRANKLIN GARDENS
Legal Block	34
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2005
Census Tract	254302

Owner

Source: Essex County and Andover Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 NANCY CIR, ANDOVER, MA 01810-6138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2024	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Jun 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK
Aug 23, 2017	Deed of Trust, Mortgage BERKSHIRE BANK
Dec 13, 2018	Deed of Trust, Mortgage · Balloon Mortgage BERKSHIRE BANK
Jun 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2012 · Amount on Record
Deed Sale	Jun 18, 2012 · Amount on Record
Deed Book / Page	12986 / 194
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	10 NANCY CIR, ANDOVER, MA 01810-6138
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00018166-2
Date	Dec 9, 2024
Book Page	18166/2
Instrument	21488

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	10 NANCY CIR, ANDOVER, MA 01810-6138
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16360-68
Date	Jun 22, 2020
Book Page	16360/68
Instrument	15187

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	10 NANCY CIR, ANDOVER, MA 01810-6138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15196-238
Date	Aug 23, 2017
Book Page	15196/238
Instrument	21689

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	10 NANCY CIR, ANDOVER, MA 01810-6138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15706-25
Date	Dec 13, 2018
Book Page	15706/25
Instrument	30057

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2039

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	10 NANCY CIR, ANDOVER, MA 01810-6138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16360-55
Date	Jun 22, 2020
Book Page	16360/55
Instrument	15186

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Andover Town
Unified School District	Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,335.00 (+4.3%)	$907,500 (+7.55%) Land $536,500 Building $371,000	$881,790
2024	$10,868.00 (+4.64%)	$843,800 (+10.98%) Land $481,600 Building $362,200
2023	$10,386.00	$760,300 Land $433,800 Building $326,500

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 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	1 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	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 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

Cell Coverage

5G (outdoors only) and 4G LTE

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