11 Clover Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 11 Clover Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,002 sqft · built 1966
Lot Size	0.749 acres (32,613 sqft)
Owner	Individual Name on Record
Last Sale	$842,000 (Apr 2025)
Tax Bill	$9,972 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2021 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00101 B:00008 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00101 B:00008 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,002 sqft Living Area
Gross Area	3,325 sqft
Basement Area	1,300 sqft
Unfinished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	32,613 sqft (0.749 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	11 CLOVER CIR
City	ANDOVER
State	MA
Zip	01810-6205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	PLAN 32408D
Legal Block	8
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2009
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	Individual Name on Record
Mailing Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit WINTER HILL FSB
Jul 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WINTER HILL FSB
Jul 31, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CAMDEN NATIONAL BANK
Apr 30, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit WINTER HILL FSB
Jul 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WINTER HILL FSB
Aug 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2025 · Amount on Record
Deed Sale	Apr 30, 2025 · Amount on Record
Deed Document Number	2025131338
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALISBURY MA
Recording Date	Apr 29, 2026
Property Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Document Number	043355-601
Book / Page	43355 / 601
Instrument Date	Apr 29, 2026
Instrument	20262780
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship, 153
Address	11 CLOVER CIR, ANDOVER, MA 01810-6205

Mortgage

Document Number	0000002780,
Date	Apr 29, 2026
Book Page	43355/601
Instrument	20262780

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125372
Date	Jul 21, 2021
Instrument	125372

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125371
Date	Jul 21, 2021
Instrument	125371

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000130366
Date	Jul 31, 2024
Instrument	130366

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 30, 2025
Property Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Document Number	0000131338
Instrument Date	Apr 30, 2025
Instrument	131338
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 CLOVER CIR, ANDOVER, MA 01810-6205

Mortgage

Document Number	0000131339
Date	Apr 30, 2025
Instrument	131339

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	125372
Date	Jul 21, 2021
Instrument	125372

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	125371
Date	Jul 21, 2021
Instrument	125371

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 CLOVER CIR, ANDOVER, MA 01810-6205
Document Number	0000120592
Instrument Date	Aug 10, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CLOVER CIR ANDOVER MA 018106205, ANDOVER, MA 01810-6205

Mortgage

Document Number	0000120592
Date	Sep 6, 2019
Instrument	120592

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 5, 2039

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	$9,972.00 (+6.44%)	$798,400 (+9.76%) Land $523,600 Building $274,800	$795,150
2024	$9,369.00 (+3.59%)	$727,400 (+9.86%) Land $470,000 Building $257,400
2023	$9,044.00	$662,100 Land $423,300 Building $238,800

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 123 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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