Essex County and Andover Town property record for 189 Lowell St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,377 sqft · built 1870 |
| Lot Size | 0.737 acres (32,099 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Dec 1998) |
| Tax Bill | $11,547 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00088 B:00002 L:00000 |
| Primary APN | ANDO M:00088 B:00002 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,377 sqft Living Area |
| Gross Area | 5,626 sqft |
| Basement Area | 1,418 sqft |
| Unfinished Basement | 1,418 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,099 sqft (0.737 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 189 LOWELL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 2 |
| 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.
189 Lowell St is owned and occupied by two individuals who bought it in December 1998.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 189 LOWELL ST, ANDOVER, MA 01810-3404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 1998 · Amount on File |
| Deed Sale | Dec 18, 1998 · Amount on File |
| Prior Sale | Jan 12, 1998 · Amount on File |
| Deed Book / Page | 5282 / 56 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 189 LOWELL ST, ANDOVER, MA 01810-3404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15876-287 |
|---|---|
| Date | Jun 11, 2019 |
| Book Page | 15876/287 |
| Instrument | 13008 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 189 Lowell St was $11,547, up 0.8% 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 | $11,547.00 (+0.79%) | $924,500 (+3.93%) Land $421,300 Building $503,200 | $1,067,135 |
| 2024 | $11,457.00 (+3.42%) | $889,500 (+9.68%) Land $416,500 Building $473,000 | |
| 2023 | $11,078.00 | $811,000 Land $385,600 Building $425,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 189 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 189 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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