Essex County and Andover Town property record for 39 Lucerne Dr, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,072 sqft · built 1955 |
| Lot Size | 0.679 acres (29,599 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $463,000 (Nov 2010) |
| Tax Bill | $10,633 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jan 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00021 B:00161 L:00000 |
| Primary APN | ANDO M:00021 B:00161 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,072 sqft Living Area |
| Gross Area | 5,016 sqft |
| Basement Area | 2,072 sqft |
| Unfinished Basement | 2,072 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,599 sqft (0.679 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 39 LUCERNE DR |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Subdivision | PINE ACRES SEC 03 |
| Legal Block | 161 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 39 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 13, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2010 · Amount on Record |
| Deed Sale | Nov 22, 2010 · Amount on Record |
| Deed Book / Page | 12292 / 230 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 39 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 018413-278 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 18413/278 |
| Instrument | 18231 |
| 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 | 39 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0017310-21 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 17310/21 |
| Instrument | 997 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2047 |
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 | $10,633.00 (+5.77%) | $851,300 (+9.07%) Land $511,800 Building $339,500 | $870,770 |
| 2024 | $10,053.00 (+4.48%) | $780,500 (+10.8%) Land $459,500 Building $321,000 | |
| 2023 | $9,622.00 | $704,400 Land $413,800 Building $290,600 |
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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