38 Michael Way, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 38 Michael Way, Andover, MA 01810

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 2,250 sqft · built 1989
Lot Size	8.38 acres (365,395 sqft)
Owner	2 Trust Names on Record
Last Sale	$479,000 (Jan 2020)
Tax Bill	$7,738 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00093 B:00004 L:00024`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00093 B:00004 L:00024`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	2,250 sqft Living Area
Gross Area	3,080 sqft
Basement Area	992 sqft
Unfinished Basement	595 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	365,395 sqft
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	38 MICHAEL WAY
City	ANDOVER
State	MA
Zip	01810-4746
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SRB
Legal Block	4
Legal Lot Number	24
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1003
Census Tract	254403

Owner

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 Trust Names on Record
Mailing Address	38 MICHAEL WAY, ANDOVER, MA 01810-4746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage LOWELL FIVE CENTS SAVINGS BANK
Oct 1, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY EQUITY LLC
Jan 23, 2020	Condominium Deed, Transfer · Conventional Mortgage WINTER HILL FED'L SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2020 · Amount on Record
Deed Sale	Jan 23, 2020 · Amount on Record
Prior Sale	Jun 26, 2015 · Amount on Record
Deed Document Number	20201636
Deed Book / Page	16163 / 48
Last Transfer Date	Oct 1, 2025
Transfer Doc	018398-236
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	38 MICHAEL WAY, ANDOVER, MA 01810-4746
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018395-325
Date	Sep 30, 2025
Book Page	18395/325
Instrument	16896

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Oct 1, 2025
Property Address	38 MICHAEL WAY, ANDOVER, MA 01810-4746
Document Number	018398-236
Book / Page	18398 / 236
Instrument Date	Oct 1, 2025
Instrument	17074
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 MICHAEL WAY, ANDOVER, MA 01810-4746

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	38 MICHAEL WAY, ANDOVER, MA 01810-4746
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016526-229
Date	Oct 2, 2020
Book Page	16526/229
Instrument	26735

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 23, 2020
Property Address	38 MICHAEL WAY, ANDOVER, MA 01810-4746
Document Number	16163-48
Book / Page	016163 / 000048
Instrument Date	Jan 16, 2020
Instrument	1636
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,184.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 MICHAEL WAY ANDOVER MA 018104746, ANDOVER, MA 01810-4746

Mortgage

Document Number	16163-51
Date	Jan 23, 2020
Book Page	016163/000051
Instrument	1637

Lender

Name	WINTER HILL FED'L SVGS BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2050

Tax Assessment & Valuation

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	$7,738.00 (+13.39%)	$619,500 (+16.93%) Building $619,500	$642,580
2024	$6,824.00 (+3.19%)	$529,800 (+9.44%) Building $529,800
2023	$6,613.00	$484,100 Building $484,100

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

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	13 (1983–2010)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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

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 91 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

Cell Coverage

5G and 4G LTE (outdoors only)

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