3 Harper Cir, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,646 sqft · built 1992
Lot Size	0.869 acres (37,858 sqft)
Owner	2 Individual Names on File
Last Sale	$880,000 (Jul 2019)
Tax Bill	$16,524 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00011 B:00005 L:0000M`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00011 B:00005 L:0000M`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,646 sqft Living Area
Gross Area	7,182 sqft
Basement Area	2,156 sqft
Unfinished Basement	2,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	37,858 sqft (0.869 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 HARPER CIR
City	ANDOVER
State	MA
Zip	01810-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	5
Legal Lot Number	M
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1019
Census Tract	254302

Owner

3 Harper Cir is owned and occupied by two individuals who bought it in July 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3 HARPER CIR, ANDOVER, MA 01810-2331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Jul 20, 2020	Deed of Trust, Mortgage · Balloon Mortgage CENTURY BANK & TRUST
May 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Jul 29, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK
Aug 8, 2017	Quit Claim Deed, Transfer ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on File
Deed Sale	Jul 29, 2019 · Amount on File
Prior Sale	Aug 8, 2017 · Amount on File
Deed Book / Page	15934 / 178
Prior Transfer Date	Jul 11, 2019
Prior Transfer Doc	15934-178
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 HARPER CIR, ANDOVER, MA 01810-2331
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016845-67
Date	Mar 29, 2021
Book Page	16845/67
Instrument	10231

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Apr 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 HARPER CIR, ANDOVER, MA 01810-2331
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16404-126
Date	Jul 20, 2020
Book Page	16404/126
Instrument	18247

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 HARPER CIR, ANDOVER, MA 01810-2331
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16322-53
Date	May 27, 2020
Book Page	16322/53
Instrument	12387

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

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

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 29, 2019
Property Address	3 HARPER CIR, ANDOVER, MA 01810-2331
Document Number	15934-178
Book / Page	015934 / 000178
Instrument Date	Jul 11, 2019
Instrument	17580
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,012.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HARPER CIR ANDOVER MA 018102331, ANDOVER, MA 01810-2331

Mortgage

Document Number	15934-181
Date	Jul 29, 2019
Book Page	015934/000181
Instrument	17581

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 8, 2017
Property Address	3 HARPER CIR, ANDOVER, MA 01810-2331
Document Number	15179-53
Book / Page	15179 / 53
Instrument	20223
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	$125.20
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 HARPER CIR, ANDOVER, MA 01810-2331

Mortgage

Document Number	151790055
Date	Aug 8, 2017
Instrument	15179/0055

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2047

Interest

Rate	3.25%
Max Rate At Change	90.1%
Max Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 3 Harper Cir was $16,524, up 1.3% 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	$16,524.00 (+1.28%)	$1,323,000 (+4.44%) Land $516,800 Building $806,200	$1,136,675
2024	$16,315.00 (+6.44%)	$1,266,700 (+12.89%) Land $485,000 Building $781,700
2023	$15,328.00	$1,122,100 Land $414,700 Building $707,400

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

Flood

FEMA maps place 3 Harper Cir 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	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

Wildfire risk around 3 Harper 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 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 and 4G LTE (outdoors only)

Nearby Properties on Harper Cir

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