3 Beech Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 3 Beech Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,440 sqft · built 1947
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$476,000 (Apr 2017)
Tax Bill	$9,243 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00054 B:00102 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00054 B:00102 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	3,293 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 BEECH CIR
City	ANDOVER
State	MA
Zip	01810-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	PLAN 1637
Legal Block	102
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3001
Census Tract	254100

Owner

Source: Essex County and Andover Town assessment roll, as of April 14, 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 File
Mailing Address	3 BEECH CIR, ANDOVER, MA 01810-2901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2025	Deed of Trust, Mortgage · Line of Credit READING COOPERATIVE BANK
May 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Apr 27, 2017	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 27, 2017 · Amount on Record
Deed Sale	Apr 27, 2017 · Amount on Record
Prior Sale	Dec 11, 2014
Deed Book / Page	15059 / 194
Transfer Doc	14068-218
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 BEECH CIR, ANDOVER, MA 01810-2901
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018250-22
Date	Apr 14, 2025
Book Page	18250/22
Instrument	5448

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 BEECH CIR, ANDOVER, MA 01810-2901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16323-84
Date	May 27, 2020
Book Page	16323/84
Instrument	12448

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

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

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 27, 2017
Property Address	3 BEECH CIR, ANDOVER, MA 01810-2901
Document Number	15059-194
Book / Page	15059 / 194
Instrument	10232
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$65.62
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	150590198
Date	Apr 27, 2017
Instrument	15059/0198

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2047

Tax Assessment & Valuation

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	$9,243.00 (+5.44%)	$740,000 (+8.73%) Land $454,200 Building $285,800	$693,120
2024	$8,766.00 (+4.63%)	$680,600 (+10.97%) Land $407,700 Building $272,900
2023	$8,378.00	$613,300 Land $367,200 Building $246,100

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
Flood Insurance Cost	Premium on Record median of 12 individual policies
Nearby Flood Policies	72 units insured incl. 60 condo units
Nearby Flood Claims	43 (1979–2010)
Claims Outside the SFHA	5 of 43
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 12 claims Severe Storms And Flooding, May 2006 · 9 claims Extreme Weather Conditons And Flooding, Oct 1996 · 4 claims

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 98% of the US · lower than 96% 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 219 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

May also be available: T-Mobile.

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