Essex County and Andover Town property record for 16 Gavin Cir, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,080 sqft · built 1981 |
| Lot Size | 0.97 acres (42,258 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,220,000 (Jul 2023) |
| Tax Bill | $13,030 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Dec 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00218 B:00015 L:00000 |
| Primary APN | ANDO M:00218 B:00015 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,080 sqft Living Area |
| Gross Area | 5,224 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 616 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,258 sqft (0.97 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 16 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 | 15 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 254402 |
16 Gavin Cir is owned and occupied by two individuals who bought it in July 2023.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 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 |
|---|---|
| Jul 31, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| Dec 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on File |
| Deed Sale | Jul 31, 2023 · Amount on File |
| Prior Sale | Mar 11, 2011 · Amount on File |
| Deed Book / Page | 17798 / 114 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jul 31, 2023 |
| Property Address | 16 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Document Number | 017798-114 |
| Book / Page | 17798 / 114 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 12159 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 16 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Investor | Possibly a Property Investor |
| Document Number | 0000012160 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 12160 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Aug 1, 2030 |
| Max Rate At Change | 2.88% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 16 GAVIN CIR, ANDOVER, MA 01810-4261 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017275-47 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 17275/47 |
| Instrument | 40877 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2053 |
The 2025 property tax bill for 16 Gavin Cir was $13,030, up 11.6% 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 | $13,030.00 (+11.58%) | $1,043,200 (+15.05%) Land $561,200 Building $482,000 | $1,301,595 |
| 2024 | $11,678.00 (+7.15%) | $906,700 (+13.64%) Land $470,600 Building $436,100 | |
| 2023 | $10,899.00 | $797,900 Land $402,300 Building $395,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 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 16 Gavin Cir is low, with 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 94% of the US · lower than 88% 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.
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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