3 Delphi Cir, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,277 sqft · built 1974
Lot Size	0.674 acres (29,342 sqft)
Owner	2 Individual Names on Record
Last Sale	$614,900 (May 2019)
Tax Bill	$9,826 (2025)
Deeds & Mortgages	May 2022 Refinance Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00011 B:00001 L:0000Q`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00011 B:00001 L:0000Q`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,277 sqft Living Area
Gross Area	3,048 sqft
Basement Area	1,344 sqft
Unfinished Basement	511 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,342 sqft (0.674 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 DELPHI CIR
City	ANDOVER
State	MA
Zip	01810-2202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	1
Legal Lot Number	Q
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1019
Census Tract	254302

Owner

Source: Essex County and 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	3 DELPHI CIR, ANDOVER, MA 01810-2202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Jun 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO
May 31, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHERN BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Apr 29, 2002 · Amount on Record
Deed Book / Page	15866 / 243
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 DELPHI CIR, ANDOVER, MA 01810-2202
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017442-57
Date	May 12, 2022
Book Page	17442/57
Instrument	11404

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2062

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 DELPHI CIR, ANDOVER, MA 01810-2202
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16351-21
Date	Jun 16, 2020
Book Page	16351/21
Instrument	14461

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

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

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 31, 2019
Property Address	3 DELPHI CIR, ANDOVER, MA 01810-2202
Document Number	15866-243
Book / Page	15866 / 243
Instrument Date	May 28, 2019
Instrument	12137
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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 DELPHI CIR, ANDOVER, MA 01810-2202

Mortgage

Document Number	12138
Date	May 31, 2019
Instrument	12138

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$9,826.00 (+6.08%)	$786,700 (+9.39%) Land $510,800 Building $275,900	$842,745
2024	$9,263.00 (+3.34%)	$719,200 (+9.6%) Land $458,600 Building $260,600
2023	$8,964.00	$656,200 Land $413,000 Building $243,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1996–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2022 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.2% 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 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 and 4G LTE (outdoors only)

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