3 Steeple Ct, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 3 Steeple Ct, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 6,080 sqft · built 1999
Lot Size	1.77 acres (77,424 sqft)
Owner	Individual Name on Record
Last Sale	$1,350,000 (Jul 2013)
Tax Bill	$27,738 (2025)
Deeds & Mortgages	May 2022 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00155 B:00008 L:0000B`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00155 B:00008 L:0000B`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	6,080 sqft Living Area
Gross Area	8,767 sqft
Basement Area	2,220 sqft
Unfinished Basement	1,110 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	77,424 sqft (1.77 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 STEEPLE CT
City	ANDOVER
State	MA
Zip	01810-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	8
Legal Lot Number	B
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1017
Census Tract	254403

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	Individual Name on Record
Mailing Address	3 STEEPLE CT, ANDOVER, MA 01810-4546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · ARM WASHINGTON TRUST MORTGAGE CO
Feb 21, 2018	Deed of Trust, Mortgage · ARM WASHINGTON TRUST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2013 · Amount on Record
Deed Sale	Jul 26, 2013 · Amount on Record
Prior Sale	Jun 12, 2000 · Amount on Record
Deed Book / Page	13571 / 43
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 STEEPLE CT, ANDOVER, MA 01810-4546
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017453-272
Date	May 25, 2022
Book Page	17453/272
Instrument	12339

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2029
Index	1-Year CMT
Margin	3

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	3 STEEPLE CT, ANDOVER, MA 01810-4546
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15394-160
Date	Feb 21, 2018
Book Page	15394/160
Instrument	3928

Lender

Name	WASHINGTON TRUST MTG

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Margin	3

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	$27,738.00 (+5.6%)	$2,220,800 (+8.9%) Land $883,200 Building $1,337,600	$2,181,390
2024	$26,266.00 (+6.1%)	$2,039,300 (+12.53%) Land $795,000 Building $1,244,300
2023	$24,756.00	$1,812,300 Land $681,400 Building $1,130,900

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	13 (1983–2010)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 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 97% of the US · lower than 94% 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 164 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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