20 Carter Ln, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 20 Carter Ln, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,241 sqft · built 1991
Lot Size	0.702 acres (30,579 sqft)
Owner	2 Individual Names on File
Last Sale	$1,780,000 (Jul 2025)
Tax Bill	$16,157 (2025)
Deeds & Mortgages	Feb 2021 Refinance Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00100 B:00007 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00100 B:00007 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,241 sqft Living Area
Gross Area	7,085 sqft
Basement Area	2,107 sqft
Unfinished Basement	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,579 sqft (0.702 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 CARTER LN
City	ANDOVER
State	MA
Zip	01810-6071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	7
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2013
Census Tract	254301

Owner

20 Carter Ln is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 CARTER LN, ANDOVER, MA 01810-6071
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WAKEFIELD COOPERATIVE BANK
Jul 30, 2025	Quit Claim Deed, Transfer · Conventional Mortgage EAST WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on File
Deed Sale	Jul 30, 2025 · Amount on File
Prior Sale	May 24, 1991 · Amount on File
Deed Document Number	202512825
Deed Book / Page	18344 / 68
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	20 CARTER LN, ANDOVER, MA 01810-6071
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016785-211
Date	Feb 24, 2021
Book Page	16785/211
Instrument	6274

Lender

Name	WAKEFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 30, 2025
Property Address	20 CARTER LN, ANDOVER, MA 01810-6071
Document Number	0018344-68
Book / Page	18344 / 68
Instrument Date	Jul 30, 2025
Instrument	12825
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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	20 CARTER LN, ANDOVER, MA 01810-6071
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012826
Date	Jul 30, 2025
Instrument	12826

Lender

Name	EAST WEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Aug 1, 2030
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 20 Carter Ln was $16,157, up 6.9% 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	$16,157.00 (+6.85%)	$1,293,600 (+10.19%) Land $515,700 Building $777,900	$1,672,665
2024	$15,121.00 (+6.11%)	$1,174,000 (+12.54%) Land $432,400 Building $741,600
2023	$14,250.00	$1,043,200 Land $369,700 Building $673,500

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

Flood

FEMA maps place 20 Carter Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1987.

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	3 (1987–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · Severe Storms 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.

Wildfire

Wildfire risk around 20 Carter Ln 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 95% of the US · lower than 90% 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.

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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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