2 Willard Cir, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,569 sqft · built 2016
Lot Size	3.72 acres (162,043 sqft)
Owner	Individual Name on Record
Last Sale	$539,000 (Aug 2015)
Tax Bill	$17,316 (2025)
Deeds & Mortgages	Jun 2021 Refinance Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00123 B:00002 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00123 B:00002 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,569 sqft Living Area
Gross Area	6,501 sqft
Basement Area	1,838 sqft
Unfinished Basement	1,654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	162,043 sqft (3.72 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	2 WILLARD CIR
City	ANDOVER
State	MA
Zip	01810-6015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	2
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2007
Census Tract	254302

Owner

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	Individual Name on Record
Mailing Address	2 WILLARD CIR, ANDOVER, MA 01810-6015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADERONE FINANCIAL
Jun 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADERONE FINANCIAL
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEADERONE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2015 · Amount on Record
Deed Sale	Aug 28, 2015 · Amount on Record
Deed Book / Page	215 / 90
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 WILLARD CIR, ANDOVER, MA 01810-6015
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000311319
Date	Jun 9, 2021
Instrument	311319

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Jul 1, 2035

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 WILLARD CIR, ANDOVER, MA 01810-6015
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	311319
Date	Jun 9, 2021
Instrument	311319

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Jul 1, 2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 WILLARD CIR, ANDOVER, MA 01810-6015
Document Number	0000122768
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 WILLARD CIR ANDOVER MA 018106015, ANDOVER, MA 01810-6015

Mortgage

Document Number	0000122768
Date	Aug 25, 2020
Instrument	122768

Lender

Name	LEADERONE FIN'L
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 24, 2035

Tax Assessment & Valuation

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	$17,316.00 (+2.83%)	$1,386,400 (+6.04%) Land $521,400 Building $865,000	$1,110,835
2024	$16,839.00 (+3.78%)	$1,307,400 (+10.07%) Land $480,800 Building $826,600
2023	$16,225.00	$1,187,800 Land $437,200 Building $750,600

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 90% 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 54 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

May also be available: T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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