Essex County and Andover Town property record for 4 Carter Ln, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 5,806 sqft · built 1990 |
| Lot Size | 0.705 acres (30,719 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $830,000 (Apr 2013) |
| Tax Bill | $16,864 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00121 B:00001 L:0000B |
| Primary APN | ANDO M:00121 B:00001 L:0000B |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 5,806 sqft Living Area |
| Gross Area | 7,647 sqft |
| Basement Area | 2,778 sqft |
| Unfinished Basement | 1,111 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 30,719 sqft (0.705 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 4 CARTER LN |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-6071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 1 |
| Legal Lot Number | B |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 254301 |
4 Carter Ln is owned and occupied by two individuals who bought it in April 2013.
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 | 4 CARTER LN, ANDOVER, MA 01810-6071 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2013 · Amount on File |
| Deed Sale | Apr 30, 2013 · Amount on File |
| Prior Sale | Dec 2, 2003 · Amount on File |
| Deed Book / Page | 13447 / 170 |
| Transfer Doc | 013447-170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 CARTER LN, ANDOVER, MA 01810-6071 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16103-71 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 16103/71 |
| Instrument | 30448 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 4 Carter Ln was $16,864, up 7% 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 | $16,864.00 (+6.98%) | $1,350,200 (+10.33%) Land $516,200 Building $834,000 | $1,710,950 |
| 2024 | $15,763.00 (+7.52%) | $1,223,800 (+14.02%) Land $432,800 Building $791,000 | |
| 2023 | $14,661.00 | $1,073,300 Land $370,100 Building $703,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Carter Ln in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1987–2010) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Mar 2010 · Severe Storms 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 risk around 4 Carter Ln 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 96% of the US · lower than 92% 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 123 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 / 2,000 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
5G and 4G LTE (outdoors only)
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