280 Gray St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 280 Gray St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,960 sqft · built 2005
Lot Size	0.816 acres (35,562 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Dec 2022)
Tax Bill	$10,732 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M_233122_9`

Property Details

APN / Parcel Number

Primary APN	`M_233122_9`
Alternative APNs	`NAND M:00107 B:D0124 L:00000` `M_233122_931285`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,960 sqft Living Area
Gross Area	6,284 sqft
1st Floor Area	1,800 sqft
Basement Area	1,100 sqft
Unfinished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,562 sqft (0.816 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

Account Number	M_233122_931285
Street Address	280 GRAY ST
City	NORTH ANDOVER
State	MA
Zip	01845-6317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	D0124
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	2
Census Block	2016
Census Tract	253204

Owner

280 Gray St is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	280 GRAY ST, NORTH ANDOVER, MA 01845-6317
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 13, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH AMERICAN SAVINGS BANK FSB
Dec 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH AMERICAN SAVINGS BANK FSB
Dec 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2022 · Amount on File
Deed Sale	Dec 13, 2022 · Amount on File
Prior Sale	Aug 29, 2005 · Amount on File
Deed Document Number	202228317
Deed Book / Page	17643 / 143
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH ANDOVER MA
Recording Date	Dec 13, 2022
Property Address	280 GRAY ST, NORTH ANDOVER, MA 01845-6317
Document Number	017643-143
Book / Page	17643 / 143
Instrument Date	Dec 13, 2022
Instrument	28317
Transaction Type	Transfer
Record Updated	Dec 30, 2022

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	8 COLDBROOK RD, MILLBURY, MA 01527-3936
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028318
Date	Dec 13, 2022
Instrument	28318

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jan 1, 2030
Max Rate At Change	2.75%
Index	Other

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	280 GRAY ST, NORTH ANDOVER, MA 01845-6317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16061-3
Date	Oct 30, 2019
Book Page	16061/3
Instrument	27170

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	280 GRAY ST, NORTH ANDOVER, MA 01845-6317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16647-333
Date	Dec 9, 2020
Book Page	16647/333
Instrument	35028

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

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

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH ANDOVER MA
Recording Date	Dec 20, 2019
Property Address	280 GRAY ST, NORTH ANDOVER, MA 01845-6317
Document Number	16128-80
Book / Page	016128 / 000080
Instrument Date	Dec 19, 2019
Instrument	32491
Transaction Type	Transfer
Record Updated	Jan 7, 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	Living Trust
Address	280 GRAY ST NORTH ANDOVER MA 018456317, NORTH ANDOVER, MA 01845-6317

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	280 GRAY ST, NORTH ANDOVER, MA 01845-6317
Document Number	15810-170
Instrument Date	Apr 6, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	280 GRAY ST NORTH ANDOVER MA 018456317, NORTH ANDOVER, MA 01845-6317

Mortgage

Document Number	15810-170
Date	Apr 11, 2019
Book Page	015810/000170
Instrument	7569

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 10, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 280 Gray St was $10,732, up 4.9% 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	$10,732.00 (+4.93%)	$953,100 (+3.34%) Land $394,800 Building $558,300	$1,081,480
2024	$10,228.00 (+6.33%)	$922,300 (+17.36%) Land $374,000 Building $548,300
2023	$9,619.00	$785,900 Land $315,900 Building $470,000

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

Flood

FEMA maps place 280 Gray St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 280 Gray St is low, with a 0.02% annual chance of 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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