Essex County and Andover Town property record for 20 North St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,018 sqft · built 1970 |
| Lot Size | 1.04 acres (45,564 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $840,000 (Apr 2023) |
| Tax Bill | $10,153 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00129 B:00016 L:00000 |
| Primary APN | ANDO M:00129 B:00016 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,018 sqft Living Area |
| Gross Area | 4,430 sqft |
| Basement Area | 1,168 sqft |
| Unfinished Basement | 1,168 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,564 sqft (1.04 acres) |
| Garage Type | Detached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 20 NORTH ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 16 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 254402 |
20 North St is owned and occupied by two individuals who bought it in April 2023.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 NORTH ST, ANDOVER, MA 01810-1106 |
| 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.
| Date | Document |
|---|---|
| Feb 15, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) AMERICAN EAGLE FCU |
| Apr 26, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage AMERICAN EAGLE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2023 · Amount on File |
| Deed Sale | Apr 26, 2023 · Amount on File |
| Prior Sale | Dec 18, 1992 · Amount on File |
| Deed Document Number | 20236067 |
| Deed Book / Page | 17725 / 14 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 20 NORTH ST, ANDOVER, MA 01810-1106 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 017930-233 |
|---|---|
| Date | Feb 15, 2024 |
| Book Page | 17930/233 |
| Instrument | 2203 |
| Name | AMERICAN EAGLE FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Apr 26, 2023 |
| Property Address | 20 NORTH ST, ANDOVER, MA 01810-1106 |
| Document Number | 0017725-14 |
| Book / Page | 17725 / 14 |
| Instrument Date | Apr 26, 2023 |
| Instrument | 6067 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20 NORTH ST, ANDOVER, MA 01810-1106 |
| Document Number | 0000006068 |
|---|---|
| Date | Apr 26, 2023 |
| Instrument | 6068 |
| Name | AMERICAN EAGLE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | May 1, 2030 |
| Max Rate At Change | 2.75% |
| Index | Other |
The 2025 property tax bill for 20 North St was $10,153, down 2% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,153.00 (-1.99%) | $812,900 (+1.07%) Land $441,600 Building $371,300 | $915,040 |
| 2024 | $10,359.00 (+2.77%) | $804,300 (+9%) Land $431,000 Building $373,300 | |
| 2023 | $10,080.00 | $737,900 Land $399,200 Building $338,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 North St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 |
| Nearby Flood Claims | 2 (2010) |
| Claims Outside the SFHA | 2 of 2 |
| 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 risk around 20 North St 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 99.1% of the US · lower than 98.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 348 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 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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