346 Sutton St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 346 Sutton St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,531 sqft · built 1936
Lot Size	0.267 acres (11,635 sqft)
Owner	2 Individual Names on File
Last Sale	$370,900 (Jan 2016)
Tax Bill	$5,852 (2025)
Deeds & Mortgages	Apr 2021 Refinance Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M_230648_9`

Property Details

APN / Parcel Number

Primary APN	`M_230648_9`
Alternative APNs	`NAND M:00073 B:00080 L:00000` `M_230648_939888`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,531 sqft Living Area
Gross Area	3,204 sqft
1st Floor Area	875 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,635 sqft (0.267 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	M_230648_939888
Street Address	346 SUTTON ST
City	NORTH ANDOVER
State	MA
Zip	01845-1515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	80
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	3
Census Block	3002
Census Tract	253201

Owner

346 Sutton St is owned and occupied by two individuals who bought it in January 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	346 SUTTON ST, NORTH ANDOVER, MA 01845-1515
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Apr 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2016 · Amount on File
Deed Sale	Jan 7, 2016 · Amount on File
Deed Book / Page	14499 / 143
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	346 SUTTON ST, NORTH ANDOVER, MA 01845-1515
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00016906-2
Date	Apr 30, 2021
Book Page	16906/2
Instrument	14466

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	346 SUTTON ST, NORTH ANDOVER, MA 01845-1515
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16906-2
Date	Apr 30, 2021
Book Page	16906/2
Instrument	14466

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 346 Sutton St was $5,852, up 3.8% from the year before.

Source: Essex County and North Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	North Andover Town
Unified School District	North Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,852.00 (+3.78%)	$519,700 (+2.2%) Land $302,400 Building $217,300	$580,355
2024	$5,639.00 (+1.95%)	$508,500 (+12.52%) Land $284,600 Building $223,900
2023	$5,531.00	$451,900 Land $261,500 Building $190,400

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

Flood

FEMA maps place 346 Sutton St in Zone X, an area of minimal flood risk.

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	1 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.

Wildfire

Wildfire risk around 346 Sutton St 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	Low lower than 93% of the US · lower than 83% 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	NORTH ANDOVER WATER DEPT serves 30,915 people · EPA ID MA3210000
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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