Essex County and Andover Town property record for 4 Monarch Ln, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,136 sqft · built 2019 |
| Lot Size | 0.671 acres (29,220 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,274,000 (Jan 2020) |
| Tax Bill | $20,075 (2025) |
| Deeds & Mortgages | Jul 2021 Refinance Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00119 B:00294 L:0000A |
| Primary APN | ANDO M:00119 B:00294 L:0000A |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,136 sqft Living Area |
| Gross Area | 7,260 sqft |
| Basement Area | 1,772 sqft |
| Unfinished Basement | 1,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 29,220 sqft (0.671 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4 MONARCH LN |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4073 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 294 |
| Legal Lot Number | A |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 254301 |
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 MONARCH LN, ANDOVER, MA 01810-4073 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO |
| Jan 3, 2020 | Quit Claim Deed, Subdivision Related Transfer NORTHERN BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2020 · Amount on Record |
| Deed Sale | Jan 3, 2020 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 MONARCH LN, ANDOVER, MA 01810-4073 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 125301 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 125301 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jan 3, 2020 |
| Property Address | 4 MONARCH LN, ANDOVER, MA 01810-4073 |
| Document Number | 0000121406 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 121406 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 23, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,809.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4 MONARCH LN ANDOVER MA 018104073, ANDOVER, MA 01810-4073 |
| Document Number | 121407 |
|---|---|
| Date | Jan 3, 2020 |
| Instrument | 121407 |
| Name | NORTHERN BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 2, 2050 |
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 | $20,075.00 (+1.52%) | $1,607,300 (+4.69%) Land $657,600 Building $949,700 | $1,676,085 |
| 2024 | $19,775.00 (+6.51%) | $1,535,300 (+12.96%) Land $634,800 Building $900,500 | |
| 2023 | $18,567.00 | $1,359,200 Land $542,500 Building $816,700 |
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 |
| 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.
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 | 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 129 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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