2 Harper Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 2 Harper Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,084 sqft · built 1993
Lot Size	1.11 acres (48,613 sqft)
Owner	2 Individual Names on File
Last Sale	$1,475,000 (Sep 2022)
Tax Bill	$18,264 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00011 B:00005 L:0000D`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00011 B:00005 L:0000D`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,084 sqft Living Area
Gross Area	8,094 sqft
Basement Area	2,480 sqft
Unfinished Basement	2,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,613 sqft (1.11 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	2 HARPER CIR
City	ANDOVER
State	MA
Zip	01810-2300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	PLAN LAND ANDOVER
Legal Block	5
Legal Lot Number	D
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1019
Census Tract	254302

Owner

2 Harper Cir is owned and occupied by two individuals who bought it in September 2022.

Source: Essex County and Andover Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 HARPER CIR, ANDOVER, MA 01810-2300
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC
Jun 27, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage USAA FSB
Mar 10, 2017	Quit Claim Deed, Transfer LEVEL ONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Jun 27, 2019 · Amount on File
Deed Book / Page	17582 / 256
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Sep 30, 2022
Property Address	2 HARPER CIR, ANDOVER, MA 01810-2300
Document Number	017582-256
Book / Page	17582 / 256
Instrument Date	Sep 30, 2022
Instrument	22976
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2 HARPER CIR, ANDOVER, MA 01810-2300

Mortgage

Document Number	0000022977
Date	Sep 30, 2022
Instrument	22977

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2029
Max Rate At Change	2.75%
Index	Other

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 27, 2019
Property Address	2 HARPER CIR, ANDOVER, MA 01810-2300
Document Number	15896-305
Book / Page	15896 / 305
Instrument Date	Jun 18, 2019
Instrument	14625
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HARPER CIR, ANDOVER, MA 01810-2300
Investor	Possibly a Property Investor

Mortgage

Document Number	14626
Date	Jun 27, 2019
Instrument	14626

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 10, 2017
Property Address	2 HARPER CIR, ANDOVER, MA 01810-2300
Document Number	15010-295
Book / Page	15010 / 295
Instrument	6169
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.92
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	150100297
Date	Mar 10, 2017
Instrument	15010/0297

Lender

Name	LEVEL ONE BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2 Harper Cir was $18,264, up 2.8% from the year before.

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Andover Town
Unified School District	Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,264.00 (+2.81%)	$1,462,300 (+6.03%) Land $568,100 Building $894,200	$1,497,105
2024	$17,764.00 (+6.35%)	$1,379,200 (+12.79%) Land $533,100 Building $846,100
2023	$16,703.00	$1,222,800 Land $456,000 Building $766,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2 Harper Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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	6 in force
Nearby Flood Claims	2 (1996–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2022 · 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.

Wildfire

Wildfire risk around 2 Harper Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 98.9% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harper Cir

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