38 Clark Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 38 Clark Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,606 sqft · built 1900
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on File
Last Sale	$554,500 (May 2018)
Tax Bill	$9,053 (2025)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00156 B:00004 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00156 B:00004 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,606 sqft Living Area
Gross Area	2,758 sqft
Basement Area	916 sqft
Unfinished Basement	916 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,002 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	38 CLARK RD
City	ANDOVER
State	MA
Zip	01810-5602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	ANDOVER
Legal Block	4
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2000
Census Tract	254403

Owner

38 Clark Rd is owned and occupied by two individuals who bought it in May 2018.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	38 CLARK RD, ANDOVER, MA 01810-5602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Nov 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jul 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage PRIME LENDERS
May 4, 2018	Quit Claim Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2018 · Amount on File
Deed Sale	May 4, 2018 · Amount on File
Prior Sale	Oct 10, 2007 · Amount on File
Deed Book / Page	15470 / 110
Transfer Doc	015470-110
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	38 CLARK RD, ANDOVER, MA 01810-5602
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017237-193
Date	Nov 19, 2021
Book Page	17237/193
Instrument	38109

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Dec 1, 2048

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	38 CLARK RD, ANDOVER, MA 01810-5602
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17237-193
Date	Nov 19, 2021
Book Page	17237/193
Instrument	38109

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Dec 1, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	38 CLARK RD, ANDOVER, MA 01810-5602
Document Number	15551-63
Instrument Date	Jul 11, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 CLARK RD ANDOVER MA 018105602, ANDOVER, MA 01810-5602

Mortgage

Document Number	15551-63
Date	Jul 16, 2018
Book Page	015551/000063
Instrument	16836

Lender

Name	PRIME LENDERS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 4, 2018
Property Address	38 CLARK RD, ANDOVER, MA 01810-5602
Document Number	15470-110
Book / Page	015470 / 000110
Instrument Date	May 1, 2018
Instrument	10280
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,528.52
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 CLARK RD ANDOVER MA 018105602, ANDOVER, MA 01810-5602

Mortgage

Document Number	15470-112
Date	May 4, 2018
Book Page	015470/000112
Instrument	10281

Lender

Name	PRIME LNDG

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 38 Clark Rd was $9,053, up 4.4% 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	$9,053.00 (+4.36%)	$724,800 (+7.62%) Land $367,400 Building $357,400	$764,180
2024	$8,675.00 (+4.71%)	$673,500 (+11.05%) Land $362,500 Building $311,000
2023	$8,285.00	$606,500 Land $326,500 Building $280,000

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

Flood

FEMA maps place 38 Clark Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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 Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1996 · Extreme Weather Conditons 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 38 Clark Rd 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 98% of the US · lower than 96% 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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