Essex County and Andover Town property record for 4 Dumbarton St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,715 sqft · built 1922 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Trust Name on File |
| Last Sale | $557,000 (Sep 2019) |
| Tax Bill | $8,752 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Jan 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00018 B:00028 L:00000 |
| Primary APN | ANDO M:00018 B:00028 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,715 sqft Living Area |
| Gross Area | 2,871 sqft |
| Basement Area | 852 sqft |
| Unfinished Basement | 852 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 7,501 sqft (0.172 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 4 DUMBARTON ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Subdivision | PLAN 1726E |
| Legal Block | 28 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 254100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Shawsheen Village Historic District listed 1979 · 268 contributing resources · NRIS 79000328 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
4 Dumbarton St is owner-occupied and held in a trust since December 2020.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 1, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Jan 13, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BK NA |
| Jan 11, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Jan 11, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Jul 13, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Sep 3, 2019 | Quit Claim Deed, Transfer · FHA Mortgage CALIBER HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2019 · Amount on File |
| Deed Sale | Sep 3, 2019 · Amount on File |
| Prior Sale | May 15, 2012 · Amount on File |
| Last Transfer Date | Dec 23, 2020 |
| Transfer Doc | 0000123892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000128372 |
|---|---|
| Date | Feb 1, 2023 |
| Instrument | 128372 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000115507 |
|---|---|
| Date | Jan 13, 2017 |
| Instrument | 115507 |
| Name | SANTANDER BK NA |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Jan 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jan 11, 2021 |
| Property Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Document Number | 123894 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 123894 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jan 11, 2021 |
| Property Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Document Number | 0000123892 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 123892 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Document Number | 0000123893 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 123893 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jul 13, 2020 |
| Property Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Document Number | 0000122433 |
| Instrument Date | Apr 6, 2020 |
| Instrument | 122433 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 DUMBARTON ST ANDOVER MA 018101403, ANDOVER, MA 01810-1403 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Sep 3, 2019 |
| Property Address | 4 DUMBARTON ST, ANDOVER, MA 01810-1403 |
| Document Number | 0000120553 |
| Instrument Date | Aug 8, 2019 |
| Instrument | 120553 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,539.92 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 DUMBARTON ST ANDOVER MA 018101403, ANDOVER, MA 01810-1403 |
| Document Number | 120554 |
|---|---|
| Date | Sep 3, 2019 |
| Instrument | 120554 |
| Name | CALIBER HM LNS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2049 |
The 2025 property tax bill for 4 Dumbarton St was $8,752, up 0.9% 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 | $8,752.00 (+0.93%) | $700,700 (+4.08%) Land $343,800 Building $356,900 | $737,580 |
| 2024 | $8,671.00 (+4.7%) | $673,200 (+11.03%) Land $339,200 Building $334,000 | |
| 2023 | $8,282.00 | $606,300 Land $305,500 Building $300,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Dumbarton St in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 28 (1979–2010) |
| Claims Outside the SFHA | 7 of 28 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 Dumbarton St 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 99.1% of the US · lower than 98.7% 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 201 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 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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