20 Flint Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 20 Flint Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,762 sqft · built 1957
Lot Size	0.244 acres (10,642 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (Apr 2025)
Tax Bill	$9,507 (2025)
Deeds & Mortgages	Oct 2024 Reverse Mortgage Oct 2024 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00020 B:00047 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00020 B:00047 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,762 sqft Living Area
Gross Area	6,283 sqft
Basement Area	2,113 sqft
Unfinished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,642 sqft (0.244 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 FLINT CIR
City	ANDOVER
State	MA
Zip	01810-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	47
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1012
Census Tract	254100

Owner

20 Flint Cir is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 FLINT CIR, ANDOVER, MA 01810-3105
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
Oct 9, 2024	Deed of Trust, Mortgage · Reverse Mortgage FINANCE AMERICA LLC
Oct 9, 2024	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 25, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF CANTON
Mar 27, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2025 · Amount on File
Deed Sale	Apr 25, 2025 · Amount on File
Deed Book / Page	18261 / 114
Prior Transfer Date	Mar 14, 2019
Prior Transfer Doc	15794-197
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	20 FLINT CIR, ANDOVER, MA 01810-3105
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018112-187
Date	Oct 9, 2024
Book Page	18112/187
Instrument	17343

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	685 Months
Due	Nov 1, 2081

Interest

Rate Type	Adjustable Rate
Rate	7.46%
Type Change Date	Sep 1, 2024
Index	Other

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	20 FLINT CIR, ANDOVER, MA 01810-3105
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018112-203
Date	Oct 9, 2024
Book Page	18112/203
Instrument	17344

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	685 Months
Due	Nov 1, 2081

Interest

Rate Type	Adjustable Rate
Rate	7.46%
Type Change Date	Sep 1, 2024
Index	Other

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 25, 2025
Property Address	20 FLINT CIR, ANDOVER, MA 01810-3105
Document Number	018261-114
Book / Page	18261 / 114
Instrument Date	Apr 25, 2025
Instrument	6295
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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 FLINT CIR, ANDOVER, MA 01810-3105

Mortgage

Document Number	0000006296
Date	Apr 25, 2025
Instrument	6296

Lender

Name	BANK OF CANTON
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 27, 2019
Property Address	20 FLINT CIR, ANDOVER, MA 01810-3105
Document Number	15794-197
Book / Page	015794 / 000197
Instrument Date	Mar 14, 2019
Instrument	6278
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	20 FLINT CIR ANDOVER MA 018103105, ANDOVER, MA 01810-3105

Tax Assessment & Valuation

The 2025 property tax bill for 20 Flint Cir was $9,507, up 3.5% 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	$9,507.00 (+3.53%)	$761,200 (+6.76%) Land $353,700 Building $407,500	$814,815
2024	$9,183.00 (+4.71%)	$713,000 (+11.06%) Land $349,000 Building $364,000
2023	$8,770.00	$642,000 Land $314,300 Building $327,700

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

Flood

FEMA maps place 20 Flint Cir 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	4 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

Wildfire risk around 20 Flint Cir 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 97% of the US · lower than 94% 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Flint Cir

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