3 Charles Cir, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,535 sqft · built 2009
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Trust Names on File
Last Sale	$1,039,000 (Aug 2019)
Tax Bill	$21,701 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00063 B:00016 L:0000E`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00063 B:00016 L:0000E`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,535 sqft Living Area
Gross Area	7,944 sqft
Basement Area	1,941 sqft
Unfinished Basement	1,941 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,431 sqft (1.02 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 CHARLES CIR
City	ANDOVER
State	MA
Zip	01810-6147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	ANDOVER
Legal Block	16
Legal Lot Number	E
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2004
Census Tract	254302

Owner

3 Charles Cir is owner-occupied and held in a trust since June 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	3 CHARLES CIR, ANDOVER, MA 01810-6147
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Aug 2, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage USA ALLIANCE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on File
Deed Sale	Aug 2, 2019 · Amount on File
Prior Sale	Apr 24, 2008 · Amount on File
Deed Document Number	201918285
Deed Book / Page	15943 / 314
Last Transfer Date	Jun 7, 2025
Transfer Doc	018300-127
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 CHARLES CIR, ANDOVER, MA 01810-6147
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017926-249
Date	Feb 7, 2024
Book Page	17926/249
Instrument	1808

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 CHARLES CIR, ANDOVER, MA 01810-6147
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16834-186
Date	Mar 22, 2021
Book Page	16834/186
Instrument	9548

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 2, 2019
Property Address	3 CHARLES CIR, ANDOVER, MA 01810-6147
Document Number	15943-314
Book / Page	15943 / 314
Instrument Date	Aug 2, 2019
Instrument	18285
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	3 CHARLES CIR, ANDOVER, MA 01810-6147

Mortgage

Document Number	18286
Date	Aug 2, 2019
Instrument	18286

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 3 Charles Cir was $21,701, up 1.4% 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	$21,701.00 (+1.43%)	$1,737,500 (+4.61%) Land $729,900 Building $1,007,600	$1,334,655
2024	$21,394.00 (+6.61%)	$1,661,000 (+13.06%) Land $704,700 Building $956,300
2023	$20,068.00	$1,469,100 Land $602,300 Building $866,800

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

Flood

FEMA maps place 3 Charles 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	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

Wildfire risk around 3 Charles Cir 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	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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Charles Cir

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