20 3rd St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 20 3rd St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,377 sqft · built 1916
Lot Size	0.25 acres (10,886 sqft)
Owner	2 Trust Names on File
Last Sale	$445,000 (Sep 2013)
Tax Bill	$7,501 (2025)
Deeds & Mortgages	Jul 2021 Refinance Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M_230335_9`

Property Details

APN / Parcel Number

Primary APN	`M_230335_9`
Alternative APNs	`NAND M:00031 B:00002 L:00000` `M_230335_938815`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,377 sqft Living Area
Gross Area	4,376 sqft
1st Floor Area	1,046 sqft
Basement Area	1,046 sqft
Unfinished Basement	1,046 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,886 sqft (0.25 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	M_230335_938815
Street Address	20 3RD ST
City	NORTH ANDOVER
State	MA
Zip	01845-3611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Subdivision	J W RICHARDSON
Legal Block	2
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	3
Census Block	3000
Census Tract	253100

Owner

20 3rd St is owner-occupied and held in a trust since November 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	20 3RD ST, NORTH ANDOVER, MA 01845-3611
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jul 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU
Dec 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENTUCKET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2013 · Amount on File
Deed Sale	Sep 13, 2013 · Amount on File
Prior Sale	Oct 21, 2011 · Amount on File
Deed Book / Page	13633 / 201
Last Transfer Date	Nov 27, 2024
Transfer Doc	018160-149
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	20 3RD ST, NORTH ANDOVER, MA 01845-3611
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017029-291
Date	Jul 14, 2021
Book Page	17029/291
Instrument	23355

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	20 3RD ST, NORTH ANDOVER, MA 01845-3611
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0017284-11
Date	Dec 22, 2021
Book Page	17284/11
Instrument	41560

Lender

Name	PENTUCKET BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 20 3rd St was $7,501, up 5.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,501.00 (+5.8%)	$666,200 (+4.21%) Land $336,200 Building $330,000	$768,360
2024	$7,090.00 (+6.07%)	$639,300 (+17.07%) Land $318,500 Building $320,800
2023	$6,684.00	$546,100 Land $269,000 Building $277,100

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

Flood

FEMA maps place 20 3rd St in Zone X, an area of minimal flood risk.

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	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

The area around 20 3rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH ANDOVER WATER DEPT serves 30,915 people · EPA ID MA3210000
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 344 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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