4 Chadwick Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 4 Chadwick Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,760 sqft · built 1962
Lot Size	0.838 acres (36,499 sqft)
Owner	2 Individual Names on File
Last Sale	$695,000 (Jul 2007)
Tax Bill	$13,613 (2025)
Deeds & Mortgages	Sep 2021 Refinance Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00089 B:00009 L:0000B`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00089 B:00009 L:0000B`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,760 sqft Living Area
Gross Area	5,688 sqft
Basement Area	1,556 sqft
Unfinished Basement	1,556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,499 sqft (0.838 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	4 CHADWICK CIR
City	ANDOVER
State	MA
Zip	01810-2979
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	ANDOVER
Legal Block	9
Legal Lot Number	B
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3019
Census Tract	254100

Owner

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4 CHADWICK CIR, ANDOVER, MA 01810-2979
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT
Jan 3, 2017	Deed of Trust, Mortgage INST SVGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2007 · Amount on Record
Deed Sale	Jul 12, 2007 · Amount on Record
Prior Sale	Nov 16, 1987 · Amount on Record
Deed Book / Page	10834 / 272
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	4 CHADWICK CIR, ANDOVER, MA 01810-2979
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17118-55
Date	Sep 7, 2021
Book Page	17118/55
Instrument	29830

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	4 CHADWICK CIR, ANDOVER, MA 01810-2979
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14941-224
Date	Jan 3, 2017
Book Page	14941/224
Instrument	54

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

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	$13,613.00 (+2.12%)	$1,089,900 (+5.3%) Land $551,200 Building $538,700	$1,157,290
2024	$13,331.00 (+4.63%)	$1,035,000 (+10.97%) Land $530,700 Building $504,300
2023	$12,741.00	$932,700 Land $478,000 Building $454,700

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 individual policies
Nearby Flood Policies	72 units insured incl. 60 condo units
Nearby Flood Claims	43 (1979–2010)
Claims Outside the SFHA	5 of 43
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 12 claims Severe Storms And Flooding, May 2006 · 9 claims Extreme Weather Conditons And Flooding, Oct 1996 · 4 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	Not rated no burnable land within ember reach

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 228 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 / 250

May also be available: T-Mobile USA.

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