Essex County and Andover Town property record for 32 Lucerne Dr, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,996 sqft · built 1953 |
| Lot Size | 0.441 acres (19,201 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,160,000 (Dec 2025) |
| Tax Bill | $10,059 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Dec 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00021 B:00171 L:00000 |
| Primary APN | ANDO M:00021 B:00171 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,996 sqft Living Area |
| Gross Area | 4,000 sqft |
| Basement Area | 1,324 sqft |
| Unfinished Basement | 1,324 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,201 sqft (0.441 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 32 LUCERNE DR |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 171 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 254200 |
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 | 32 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 6, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Dec 5, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Dec 24, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage SALEM FIVE MORTGAGE CORP |
| Dec 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW ENGLAND REGIONAL MORTGAGE CORP |
| Nov 29, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 24, 2025 · Amount on Record |
| Deed Sale | Dec 24, 2025 · Amount on Record |
| Prior Sale | Nov 29, 2019 · Amount on Record |
| Deed Document Number | 202522928 |
| Deed Book / Page | 18476 / 143 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 32 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 018402-216 |
|---|---|
| Date | Oct 6, 2025 |
| Book Page | 18402/216 |
| Instrument | 17364 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 32 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 018458-191 |
|---|---|
| Date | Dec 5, 2025 |
| Book Page | 18458/191 |
| Instrument | 21530 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1 Months |
| Due | Jan 1, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Dec 24, 2025 |
| Property Address | 32 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Document Number | 018476-143 |
| Book / Page | 18476 / 143 |
| Instrument Date | Dec 24, 2025 |
| Instrument | 22928 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 32 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Document Number | 0000022929 |
|---|---|
| Date | Dec 24, 2025 |
| Instrument | 22929 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 32 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16684-230 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 16684/230 |
| Instrument | 37676 |
| Name | NEW ENGLAND REGIONAL MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Nov 29, 2019 |
| Property Address | 32 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Document Number | 16100-151 |
| Book / Page | 16100 / 151 |
| Instrument Date | Nov 23, 2019 |
| Instrument | 30241 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Document Number | 30242 |
|---|---|
| Date | Nov 29, 2019 |
| Instrument | 30242 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,059.00 (+6.84%) | $805,400 (+10.18%) Land $471,300 Building $334,100 | $890,150 |
| 2024 | $9,415.00 (+4.38%) | $731,000 (+10.71%) Land $423,100 Building $307,900 | |
| 2023 | $9,020.00 | $660,300 Land $381,000 Building $279,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
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.
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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 162 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 |
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