2 Spencer Ct, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 2 Spencer Ct, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,492 sqft · built 1989
Lot Size	0.689 acres (30,000 sqft)
Owner	2 Individual Names on File
Last Sale	$688,000 (Jun 2015)
Tax Bill	$13,598 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00107 B:00003 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00107 B:00003 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,492 sqft Living Area
Gross Area	5,168 sqft
Basement Area	1,372 sqft
Unfinished Basement	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,000 sqft (0.689 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	2 SPENCER CT
City	ANDOVER
State	MA
Zip	01810-3378
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	ANDOVER
Legal Block	3
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2002
Census Tract	254401

Owner

2 Spencer Ct is owned and occupied by two individuals who bought it in June 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 SPENCER CT, ANDOVER, MA 01810-3378
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
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 26, 2018	Deed of Trust, Mortgage MERRIMACK VALLEY FCU
Dec 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK
Nov 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2015 · Amount on File
Deed Sale	Jun 8, 2015 · Amount on File
Prior Sale	May 3, 1990 · Amount on File
Deed Book / Page	14255 / 100
Transfer Doc	12252-305
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 SPENCER CT, ANDOVER, MA 01810-3378
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017175-325
Date	Oct 12, 2021
Book Page	17175/325
Instrument	33788

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2061

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 SPENCER CT, ANDOVER, MA 01810-3378
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17175-325
Date	Oct 12, 2021
Book Page	17175/325
Instrument	33788

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2061

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 SPENCER CT, ANDOVER, MA 01810-3378
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15688-309
Date	Nov 26, 2018
Book Page	15688/309
Instrument	28549

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2038

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 SPENCER CT, ANDOVER, MA 01810-3378
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16678-24
Date	Dec 23, 2020
Book Page	16678/24
Instrument	37196

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 SPENCER CT, ANDOVER, MA 01810-3378
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16609-313
Date	Nov 17, 2020
Book Page	16609/313
Instrument	32449

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2 Spencer Ct was $13,598, up 2.7% 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	$13,598.00 (+2.73%)	$1,088,700 (+5.94%) Land $462,100 Building $626,600	$1,059,535
2024	$13,237.00 (+6.63%)	$1,027,700 (+13.08%) Land $433,600 Building $594,100
2023	$12,414.00	$908,800 Land $370,700 Building $538,100

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

Flood

FEMA maps place 2 Spencer Ct 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.

Wildfire

Wildfire risk around 2 Spencer Ct is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 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 / 2,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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