3 Dearborn Ln, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 3 Dearborn Ln, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,764 sqft · built 1994
Lot Size	0.606 acres (26,415 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Mar 2021)
Tax Bill	$13,351 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Dec 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00021 B:00136 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00021 B:00136 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,764 sqft Living Area
Gross Area	3,872 sqft
Basement Area	1,396 sqft
Unfinished Basement	940 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	26,415 sqft (0.606 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 DEARBORN LN
City	ANDOVER
State	MA
Zip	01810-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	ELM STREET
Legal Block	136
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3000
Census Tract	254200

Owner

3 Dearborn Ln is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 DEARBORN LN, ANDOVER, MA 01810-1745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 8, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP
Dec 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE
Apr 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2021 · Amount on File
Deed Sale	Mar 8, 2021 · Amount on File
Prior Sale	Feb 28, 1994 · Amount on File
Deed Book / Page	16810 / 317
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 8, 2021
Property Address	3 DEARBORN LN, ANDOVER, MA 01810-1745
Document Number	16810-317
Book / Page	16810 / 317
Instrument Date	Mar 8, 2021
Instrument	7844
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
Relationship	Tenants by the Entirety
Address	3 DEARBORN LN, ANDOVER, MA 01810-1745

Mortgage

Document Number	7845
Date	Mar 8, 2021
Instrument	7845

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 DEARBORN LN, ANDOVER, MA 01810-1745
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16138-327
Date	Dec 30, 2019
Book Page	16138/327
Instrument	33539

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 19, 2019
Property Address	3 DEARBORN LN, ANDOVER, MA 01810-1745
Document Number	15817-285
Book / Page	015817 / 000285
Instrument Date	Apr 3, 2019
Instrument	8188
Transaction Type	Transfer
Record Updated	May 7, 2019
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	3 DEARBORN LN ANDOVER MA 018101745, ANDOVER, MA 01810-1745

Tax Assessment & Valuation

The 2025 property tax bill for 3 Dearborn Ln was $13,351, up 3.9% 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	$13,351.00 (+3.95%)	$1,068,900 (+7.19%) Land $565,700 Building $503,200	$1,052,600
2024	$12,844.00 (+3.75%)	$997,200 (+10.03%) Land $514,600 Building $482,600
2023	$12,380.00	$906,300 Land $463,500 Building $442,800

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

Flood

FEMA maps place 3 Dearborn Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2019 · rainfall accumulation

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 Dearborn Ln 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.

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 495 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: AT&T, T-Mobile.

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