Essex County and Andover Town property record for 181 Lowell St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,586 sqft · built 1919 |
| Lot Size | 0.375 acres (16,335 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $830,000 (Jul 2025) |
| Tax Bill | $9,967 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jul 2025 Sale & Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00088 B:00005 L:00000 |
| Primary APN | ANDO M:00088 B:00005 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,586 sqft Living Area |
| Gross Area | 3,672 sqft |
| Basement Area | 1,150 sqft |
| Unfinished Basement | 590 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,335 sqft (0.375 acres) |
| Garage Type | Detached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 181 LOWELL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 5 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 254401 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the West Parish Center District listed 1982 · 17 contributing resources · NRIS 82000480 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
181 Lowell St is owned and occupied by two individuals who bought it in July 2025.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 181 LOWELL ST, ANDOVER, MA 01810-3404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Nov 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Jul 7, 2025 | Quit Claim Deed, Transfer · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Apr 16, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST HOME BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on File |
| Deed Sale | Jul 7, 2025 · Amount on File |
| Prior Sale | Apr 16, 2021 · Amount on File |
| Deed Document Number | 202511237 |
| Deed Book / Page | 18325 / 41 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 181 LOWELL ST, ANDOVER, MA 01810-3404 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 018441-220 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 18441/220 |
| Instrument | 20294 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Type Change Date | Dec 1, 2032 |
| Index | Other |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jul 7, 2025 |
| Property Address | 181 LOWELL ST, ANDOVER, MA 01810-3404 |
| Document Number | 0018325-41 |
| Book / Page | 18325 / 41 |
| Instrument Date | Jul 7, 2025 |
| Instrument | 11237 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| 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 | 181 LOWELL ST, ANDOVER, MA 01810-3404 |
| Document Number | 0000011238 |
|---|---|
| Date | Jul 7, 2025 |
| Instrument | 11238 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Type Change Date | Aug 1, 2032 |
| Index | Other |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Apr 16, 2021 |
| Property Address | 181 LOWELL ST, ANDOVER, MA 01810-3404 |
| Document Number | 16882-190 |
| Book / Page | 16882 / 190 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 12766 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 | 181 LOWELL ST, ANDOVER, MA 01810-3404 |
| Document Number | 12767 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 12767 |
| Name | FIRST HOME BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 181 Lowell St was $9,967, up 3% 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 | $9,967.00 (+3.02%) | $798,000 (+6.23%) Land $371,600 Building $426,400 | $782,515 |
| 2024 | $9,675.00 (+2.94%) | $751,200 (+9.17%) Land $367,400 Building $383,800 | |
| 2023 | $9,399.00 | $688,100 Land $340,100 Building $348,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 181 Lowell St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 | 5 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
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.
The area around 181 Lowell St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 140 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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