Essex County and Andover Town property record for 14 Gavin Cir, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 4,396 sqft · built 1983 |
| Lot Size | 0.861 acres (37,514 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $721,000 (Jan 2017) |
| Tax Bill | $14,573 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance Apr 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00218 B:00014 L:00000 |
| Primary APN | ANDO M:00218 B:00014 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,396 sqft Living Area |
| Gross Area | 7,596 sqft |
| Basement Area | 2,302 sqft |
| Unfinished Basement | 1,496 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 | 37,514 sqft (0.861 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 14 GAVIN CIR |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | GAVIN CIRCLE |
| Legal Block | 14 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 254402 |
14 Gavin Cir is owned and occupied by two individuals who bought it in January 2017.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 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 |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Apr 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Jan 12, 2017 | Quit Claim Deed, Transfer GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2017 · Amount on File |
| Deed Sale | Jan 12, 2017 · Amount on File |
| Deed Book / Page | 14952 / 17 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 14 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0016719-62 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 16719/62 |
| Instrument | 1844 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 14 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16268-331 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 16268/331 |
| Instrument | 9054 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jan 12, 2017 |
| Property Address | 14 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Document Number | 14952-17 |
| Book / Page | 14952 / 17 |
| Instrument | 956 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $102.02 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 149520019 |
|---|---|
| Date | Jan 12, 2017 |
| Instrument | 14952/0019 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 12, 2047 |
| Rate | 4% |
|---|---|
| Max Rate At Change | 20.1% |
| Max Rate | 2.5% |
The 2025 property tax bill for 14 Gavin Cir was $14,573, up 10.1% 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 | $14,573.00 (+10.12%) | $1,166,800 (+13.56%) Land $542,700 Building $624,100 | $1,211,250 |
| 2024 | $13,234.00 (+6.73%) | $1,027,500 (+13.2%) Land $455,000 Building $572,500 | |
| 2023 | $12,399.00 | $907,700 Land $389,100 Building $518,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 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 14 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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