Essex County and Andover Town property record for 37 Stirling St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,247 sqft · built 2002 |
| Lot Size | 0.378 acres (16,448 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,550,000 (Oct 2025) |
| Tax Bill | $15,627 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00018 B:00138 L:00000 |
| Primary APN | ANDO M:00018 B:00138 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,247 sqft Living Area |
| Gross Area | 5,895 sqft |
| Basement Area | 1,553 sqft |
| Unfinished Basement | 544 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,448 sqft (0.378 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 37 STIRLING ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 138 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 254100 |
37 Stirling St is owned and occupied by two individuals who bought it in October 2025.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 37 STIRLING ST, ANDOVER, MA 01810-1408 |
| 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.
| Date | Document |
|---|---|
| Mar 12, 2026 | Deed of Trust, Mortgage GUARANTEED RATE INC |
| Oct 17, 2025 | Quit Claim Deed, Transfer GUARANTEED RATE INC |
| Jan 12, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on File |
| Deed Sale | Oct 17, 2025 · Amount on File |
| Prior Sale | Oct 17, 2002 · Amount on File |
| Deed Book / Page | 18412 / 244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 37 STIRLING ST, ANDOVER, MA 01810-1408 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 018529-246 |
|---|---|
| Date | Mar 12, 2026 |
| Book Page | 18529/246 |
| Instrument | 3671 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Oct 17, 2025 |
| Property Address | 37 STIRLING ST, ANDOVER, MA 01810-1408 |
| Document Number | 018412-244 |
| Book / Page | 18412 / 244 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 18140 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 | 37 STIRLING ST, ANDOVER, MA 01810-1408 |
| Document Number | 0000018141 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 18141 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 37 STIRLING ST, ANDOVER, MA 01810-1408 |
| Document Number | 14967-255 |
| Instrument Date | Jan 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Name | Verified Name |
|---|
| Document Number | 14967-255 |
|---|---|
| Date | Jan 24, 2017 |
| Book Page | 014967/000255 |
| Instrument | 2194 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 23, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 37 Stirling St was $15,627, up 6.6% from the year before.
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 | $15,627.00 (+6.56%) | $1,251,200 (+9.89%) Land $460,500 Building $790,700 | $1,451,125 |
| 2024 | $14,665.00 (+5.93%) | $1,138,600 (+12.34%) Land $386,100 Building $752,500 | |
| 2023 | $13,844.00 | $1,013,500 Land $330,200 Building $683,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 37 Stirling St 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 | 7 in force |
| Nearby Flood Claims | 28 (1979–2010) |
| Claims Outside the SFHA | 7 of 28 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 37 Stirling 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 95% of the US · lower than 90% 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.
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 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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