11 Durham Dr, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 11 Durham Dr, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,506 sqft · built 1994
Lot Size	0.876 acres (38,180 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Jul 2011)
Tax Bill	$18,443 (2025)
Deeds & Mortgages	May 2021 Refinance Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00114 B:00001 L:0000H`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00114 B:00001 L:0000H`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,506 sqft Living Area
Gross Area	7,362 sqft
Basement Area	2,089 sqft
Unfinished Basement	1,358 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	38,180 sqft (0.876 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11 DURHAM DR
City	ANDOVER
State	MA
Zip	01810-5500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	WATSON FARM ESTATES
Legal Block	1
Legal Lot Number	H
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1016
Census Tract	254403

Owner

11 Durham Dr is owned and occupied by two individuals who bought it in July 2011.

Source: Essex County and Andover Town records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 DURHAM DR, ANDOVER, MA 01810-5500
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.

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Mar 23, 2020	Deed of Trust, Mortgage · Balloon Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT
Mar 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT
Nov 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2011 · Amount on File
Deed Sale	Jul 29, 2011 · Amount on File
Prior Sale	Feb 16, 1993 · Amount on File
Deed Book / Page	12561 / 293
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 DURHAM DR, ANDOVER, MA 01810-5500
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16954-72
Date	May 28, 2021
Book Page	16954/72
Instrument	17851

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 DURHAM DR, ANDOVER, MA 01810-5500
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16236-220
Date	Mar 23, 2020
Book Page	16236/220
Instrument	7094

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 DURHAM DR, ANDOVER, MA 01810-5500
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16236-201
Date	Mar 23, 2020
Book Page	16236/201
Instrument	7093

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 DURHAM DR, ANDOVER, MA 01810-5500
Document Number	15694-1
Instrument Date	Nov 17, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 DURHAM DR ANDOVER MA 018105500, ANDOVER, MA 01810-5500

Mortgage

Document Number	15694-1
Date	Nov 30, 2018
Book Page	015694/000001
Instrument	28952

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 11 Durham Dr was $18,443, up 1.2% from the year before.

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	$18,443.00 (+1.2%)	$1,476,600 (+4.36%) Land $702,600 Building $774,000	$1,403,815
2024	$18,224.00 (+6.92%)	$1,414,900 (+13.39%) Land $678,300 Building $736,600
2023	$17,045.00	$1,247,800 Land $579,700 Building $668,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11 Durham Dr in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1983.

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	13 (1983–2010)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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

Wildfire risk around 11 Durham Dr 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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