Home Massachusetts Essex County Andover Suffolk Cir
3 Suffolk Cir, Andover, MA 01810 Property Records
Essex County and Andover Town property record for 3 Suffolk Cir, Andover, MA 01810
Property Summary
Property Type Single Family Home Details 4 bd · 2.5 ba · 2,942 sqft · built 1997 Lot Size 0.667 acres (29,041 sqft) Owner 2 Individual Names on File Last Sale $1,500,000 (Sep 2026) Tax Bill $14,873 (2025) Deeds & Mortgages Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 3 more Flood Zone Zone X (minimal risk)APN ANDO M:00128 B:00056 L:00000
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Property Details APN / Parcel Number
Primary APN ANDO M:00128 B:00056 L:00000
Interior
Bedrooms 4 Beds Full Baths 2.5 Baths Half Baths 1 Half Bath Total Rooms 10 Rooms Stories 2 Stories Building Area 2,942 sqft Living Area Gross Area 5,732 sqft Basement Area 1,772 sqft Unfinished Basement 1,772 sqft Fireplaces 1 Fireplace Fireplace Fireplace
Exterior
Year Built Built 1997 Effective Year Built Effective 1997 Architectural Style Colonial Exterior Material Wood Siding Construction Type Frame Roof Type Hip Roof Material Asphalt Lot Area 29,041 sqft (0.667 acres)
Utilities, Heating & Cooling Cooling System HVAC Heating System Forced Air with A/C Heating Fuel Gas
Location & Zoning Street Address 3 SUFFOLK CIR City ANDOVER State MA Zip 01810-1252 Property Category Residential Property Type Residential > Single Family > Home Local Zoning Code SRC Legal Subdivision SOMERSET VILLAGE Legal Block 56 Jurisdiction ANDOVER MA Township / Civil Division ANDOVER Census Block Group 4 Census Block 4012 Census Tract 254402
Owner
3 Suffolk Cir is owned and occupied by two individuals who bought it in September 2026.
Source: Essex County and Andover Town records, as of October 7, 2026
Owner of Record 2 Individual Names on File Mailing Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252 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 .
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Deeds, Mortgages & Sale History
Date Document Sep 17, 2026 Deed of Trust, Mortgage · Conventional Mortgage TD BANK Sep 17, 2026 Quit Claim Deed, Transfer · Conventional Mortgage TD BANK Dec 22, 2025 Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO Nov 30, 2022 Quit Claim Deed, Transfer · Stand-Alone First Mortgage PENTUCKET BANK Oct 6, 2017 Deed of Trust, Mortgage DIGITAL FCU
Assessor's Deed Record
Deed Names 2 Names on Deed Last Sale Sep 17, 2026 · Amount on File Deed Sale Sep 17, 2026 · Amount on File Prior Sale Nov 30, 2022 · Amount on File Deed Document Number 202616364 Deed Book / Page 18694 / 157 Prior Transfer Date Aug 31, 2026 Prior Transfer Doc 0000016364 Record Updated Oct 29, 2026
September 2026: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction ANDOVER MA Recording Date Sep 17, 2026 Property Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252 Document Number 0000016365 Book / Page 18694 / 160 Instrument Date Aug 31, 2026 Instrument 202616365 Transaction Type Mortgage Record Updated Oct 7, 2026
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Tenants by the Entirety, 171 Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252
Mortgage
Document Number 0000016365, Date Sep 17, 2026 Book Page 18694/160 Instrument 202616365
Lender
Agreement
Type Conventional Mortgage Amount Amount on Record Term 360 Months Due Oct 1, 2056
Interest
Rate Type Adjustable Rate Rate 5.75% Initial Type Adjustable Rate Type Change Date Oct 1, 2031 Index Other Margin 3 Max Rate -1%
September 2026: Quit Claim Deed, Transfer Document Type Quit Claim Deed Jurisdiction ANDOVER MA Recording Date Sep 17, 2026 Property Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252 Document Number 0000016364 Book / Page 18694 / 157 Instrument Date Aug 31, 2026 Instrument 202616364 Transaction Type Transfer Record Updated Oct 6, 2026
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
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Tenants by the Entirety Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252
Mortgage
Lender
Agreement
Type Conventional Mortgage Amount Amount on Record
Interest
Rate Type Adjustable Rate Rate 5.75% Initial Type Adjustable Rate Type Change Date Oct 1, 2031 Index Other Margin 3 Max Rate -1%
December 2025: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction ANDOVER MA Property Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252 Transaction Type Mortgage Record Updated Jan 14, 2026
Transferred To (Grantee/Buyer)
Mortgage
Document Number 018474-261 Date Dec 22, 2025 Book Page 18474/261 Instrument 22774
Lender
Name ROCKLAND TRUST CO Type Non-Lending Institution
Agreement
Type Line of Credit Amount Amount on Record Term 277 Months Due Jan 1, 2049
Interest
November 2022: Quit Claim Deed, Transfer Document Type Quit Claim Deed Jurisdiction ANDOVER MA Recording Date Nov 30, 2022 Property Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252 Document Number 017632-227 Book / Page 17632 / 227 Instrument Date Nov 30, 2022 Instrument 27359 Transaction Type Transfer Record Updated Nov 20, 2025
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
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Tenants by the Entirety Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252
Mortgage
Document Number 0000027360 Date Nov 30, 2022 Instrument 27360
Lender
Name PENTUCKET BANK Type Bank
Agreement
Type Stand-Alone First Mortgage Amount Amount on Record
October 2017: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction ANDOVER MA Property Address 3 SUFFOLK CIR, ANDOVER, MA 01810-1252 Transaction Type Mortgage Record Updated Feb 5, 2021
Transferred To (Grantee/Buyer)
Mortgage
Document Number 15250-208 Date Oct 6, 2017 Book Page 15250/208 Instrument 26135
Lender
Name DIGITAL FCU Type Credit Union
Agreement
Amount Amount on Record Term 360 Months Due Oct 1, 2047
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Tax Assessment & Valuation
The 2025 property tax bill for 3 Suffolk Cir was $14,873, 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 $14,873.00 (+3.95%) $1,190,800 (+7.19%) Land $509,700 Building $681,100 $1,274,140 2024 $14,308.00 (+6.63%) $1,110,900 (+13.09%) Land $478,300 Building $632,600 2023 $13,418.00 $982,300 Land $408,900 Building $573,400
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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Flood
FEMA maps place 3 Suffolk Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone Zone Xminimal risk Flood Insurance Requirement Not requiredlenders may require it Nearby Flood Policies 4 in force Nearby Flood Claims 2 (2010) Claims Outside the SFHA 2 of 2 Most Recent Claim Mar 2010 · Severe Storms And Flooding
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 Suffolk Cir 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 Lowlower than 96% of the US · lower than 92% of Massachusetts Wildfire Likelihood Under 0.01% annual chance Exposure Directburnable 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 DEPTserves 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 Nonelast 10 years Treatment and Procedure Lead service line replacementcurrently in violation since Nov 2021 Jan 2022 Monitoring and Reporting Nonelast 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 98 locations within half a mile, as of December 31, 2025
Provider Max Down / Up (Mbps) XfinityCable 2,000 / 2,000 VerizonFiber · Fixed Wireless in parts of the area 980 / 880 T-MobileFixed Wireless 100 / 20
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