Essex County and Andover Town property record for 2 Ashford Ln, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 4,044 sqft · built 1994 |
| Lot Size | 1 acres (43,686 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $900,000 (Aug 2019) |
| Tax Bill | $17,444 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00225 B:00033 L:00000 |
| Primary APN | ANDO M:00225 B:00033 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,044 sqft Living Area |
| Gross Area | 7,096 sqft |
| Basement Area | 2,144 sqft |
| Unfinished Basement | 2,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 43,686 sqft (1 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2 ASHFORD LN |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-6410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | ANDOVER |
| Legal Block | 33 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 254402 |
Source: Essex County and Andover Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 9, 2026 | Deed of Trust, Mortgage · Line of Credit DIRECT CREDIT UNION |
| Jan 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Dec 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC |
| Aug 9, 2017 | Deed of Trust, Mortgage · ARM BERKSHIRE BANK |
| Mar 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Aug 23, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP. |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2019 · Amount on Record |
| Deed Sale | Aug 23, 2019 · Amount on Record |
| Prior Sale | Apr 27, 2015 · Amount on Record |
| Deed Document Number | 201920154 |
| Deed Book / Page | 15968 / 161 |
| Prior Transfer Date | Aug 20, 2019 |
| Prior Transfer Doc | 15968-161 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jun 9, 2026 |
| Property Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Document Number | 018601-315 |
| Book / Page | 18601 / 315 |
| Instrument Date | Jun 4, 2026 |
| Instrument | 20269245 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Document Number | 0000009245, |
|---|---|
| Date | Jun 9, 2026 |
| Book Page | 18601/315 |
| Instrument | 20269245 |
| Name | DIRECT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 016735-323 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 16735/323 |
| Instrument | 2979 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 017290-155 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 17290/155 |
| Instrument | 41989 |
| Name | THIRD FEDERAL SAVING & LOAN ASSOC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15179-326 |
|---|---|
| Date | Aug 9, 2017 |
| Book Page | 15179/326 |
| Instrument | 20283 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16235-283 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 16235/283 |
| Instrument | 7039 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Aug 23, 2019 |
| Property Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Document Number | 15968-161 |
| Book / Page | 15968 / 161 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 20154 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 2 ASHFORD LN, ANDOVER, MA 01810-6410 |
| Document Number | 20155 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 20155 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Sep 1, 2029 |
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 | $17,444.00 (+1.79%) | $1,396,600 (+4.97%) Land $566,800 Building $829,800 | $1,229,775 |
| 2024 | $17,137.00 (+6.34%) | $1,330,500 (+12.77%) Land $531,900 Building $798,600 | |
| 2023 | $16,116.00 | $1,179,800 Land $454,700 Building $725,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% 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.
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 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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