4 Clover Cir, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Lot Size	0.824 acres (35,893 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,841 (2025)
Deeds & Mortgages	Sep 2023 Transfer Apr 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00101 B:00004 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00101 B:00004 L:00000`

Exterior

Lot Area	35,893 sqft (0.824 acres)
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Location & Zoning

Street Address	4 CLOVER CIR
City	ANDOVER
State	MA
Zip	01810-6211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	PLAN 32408A
Legal Block	4
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2009
Census Tract	254302

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 Individual Names on Record
Mailing Address	4 CLOVER CIR, ANDOVER, MA 01810-6211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 12, 2017	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 30, 2023
Transfer Doc	0000129074
Record Updated	Sep 20, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Sep 7, 2023
Property Address	4 CLOVER CIR, ANDOVER, MA 01810-6211
Document Number	0000129074
Instrument Date	Aug 30, 2023
Instrument	129074
Transaction Type	Transfer
Record Updated	Sep 22, 2023

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	4 CLOVER CIR, ANDOVER, MA 01810-6211

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 10, 2020
Property Address	4 CLOVER CIR, ANDOVER, MA 01810-6211
Document Number	0000121915
Instrument Date	Feb 28, 2020
Instrument	121915
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CLOVER CIR ANDOVER MA 018106211, ANDOVER, MA 01810-6211

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	4 CLOVER CIR, ANDOVER, MA 01810-6211
Document Number	0000116134
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116134
Date	May 30, 2017
Instrument	116134

Lender

Name	TD BK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2047

Interest

Rate Type	Adjustable Rate

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	$10,841.00 (+6.26%)	$868,000 (+9.58%) Land $536,400 Building $331,600	$925,205
2024	$10,202.00 (+2.81%)	$792,100 (+9.04%) Land $481,500 Building $310,600
2023	$9,923.00	$726,400 Land $433,600 Building $292,800

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
Nearby Flood Policies	1 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.

Wildfire

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	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 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.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Clover Cir

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