229 Winter St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 229 Winter St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,597 sqft · built 1981
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$497,500 (Aug 2010)
Tax Bill	$9,451 (2025)
Deeds & Mortgages	May 2022 Line of Credit May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M_234933_9`

Property Details

APN / Parcel Number

Primary APN	`M_234933_9`
Alternative APNs	`NAND M:00104 B:C0040 L:00000` `M_234933_938276`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,597 sqft Living Area
Gross Area	3,896 sqft
1st Floor Area	1,276 sqft
Basement Area	1,276 sqft
Unfinished Basement	855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M_234933_938276
Street Address	229 WINTER ST
City	NORTH ANDOVER
State	MA
Zip	01845-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	HARBOR REALTY CORP
Legal Block	C0040
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	1
Census Block	1009
Census Tract	253203

Owner

Source: Essex County and North 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	2 Individual Names on Record
Mailing Address	229 WINTER ST, NORTH ANDOVER, MA 01845-1307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Line of Credit MERRIMACK VALLEY FCU
May 10, 2017	Deed of Trust, Mortgage · Closed-End Mortgage MERRIMACK VALLEY FCU
Dec 5, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU
Jul 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Jan 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2010 · Amount on Record
Deed Sale	Aug 18, 2010 · Amount on Record
Prior Sale	Jul 13, 1998 · Amount on Record
Deed Document Number	201021212
Deed Book / Page	12149 / 288
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	229 WINTER ST, NORTH ANDOVER, MA 01845-1307
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017453-316
Date	May 25, 2022
Book Page	17453/316
Instrument	12345

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	229 WINTER ST, NORTH ANDOVER, MA 01845-1307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15076-315
Date	May 10, 2017
Book Page	15076/315
Instrument	11528

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	229 WINTER ST, NORTH ANDOVER, MA 01845-1307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15699-93
Date	Dec 5, 2018
Book Page	15699/93
Instrument	29426

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2039

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	229 WINTER ST, NORTH ANDOVER, MA 01845-1307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16396-326
Date	Jul 15, 2020
Book Page	16396/326
Instrument	17730

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	229 WINTER ST, NORTH ANDOVER, MA 01845-1307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16708-296
Date	Jan 12, 2021
Book Page	16708/296
Instrument	1157

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

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	$9,451.00 (+5.2%)	$839,300 (+3.6%) Land $415,500 Building $423,800	$932,805
2024	$8,984.00 (+5.38%)	$810,100 (+16.31%) Land $393,700 Building $416,400
2023	$8,525.00	$696,500 Land $332,500 Building $364,000

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
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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% 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	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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

May also be available: AT&T.

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