Essex County and Andover Town property record for 4 Napier Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,437 sqft · built 1967 |
| Lot Size | 1.63 acres (71,003 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $400,000 (Jun 1989) |
| Tax Bill | $13,520 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Apr 2022 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00002 B:00047 L:0000A |
| Primary APN | ANDO M:00002 B:00047 L:0000A |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,437 sqft Living Area |
| Gross Area | 6,180 sqft |
| Basement Area | 1,403 sqft |
| Unfinished Basement | 1,403 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 71,003 sqft (1.63 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 4 NAPIER RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 47 |
| Legal Lot Number | A |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 254100 |
4 Napier Rd is owner-occupied and held in a trust since March 2022.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4 NAPIER RD, ANDOVER, MA 01810-1651 |
| 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 |
|---|---|
| Jul 7, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 5, 2022 | Deed, Transfer |
| Dec 14, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA |
| Sep 10, 2018 | Deed of Trust, Mortgage · ARM SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 1989 · Amount on File |
| Deed Sale | Jun 14, 1989 · Amount on File |
| Last Transfer Date | Mar 25, 2022 |
| Transfer Doc | 00017403-1 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 NAPIER RD, ANDOVER, MA 01810-1651 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 018324-201 |
|---|---|
| Date | Jul 7, 2025 |
| Book Page | 18324/201 |
| Instrument | 11185 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Apr 5, 2022 |
| Property Address | 4 NAPIER RD, ANDOVER, MA 01810-1651 |
| Document Number | 00017403-1 |
| Book / Page | 17403 / 1 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 8312 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 NAPIER RD, ANDOVER, MA 01810-1651 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 NAPIER RD, ANDOVER, MA 01810-1651 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017271-70 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 17271/70 |
| Instrument | 40612 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jan 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 NAPIER RD, ANDOVER, MA 01810-1651 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16831-126 |
|---|---|
| Date | Mar 19, 2021 |
| Book Page | 16831/126 |
| Instrument | 9353 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 NAPIER RD, ANDOVER, MA 01810-1651 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15610-297 |
|---|---|
| Date | Sep 10, 2018 |
| Book Page | 15610/297 |
| Instrument | 22019 |
| Name | SANTANDER BANK NA |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.13% |
The 2025 property tax bill for 4 Napier Rd was $13,520, up 6% 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 | $13,520.00 (+6.04%) | $1,082,500 (+9.35%) Land $576,100 Building $506,400 | $1,218,945 |
| 2024 | $12,750.00 (+4.51%) | $989,900 (+10.84%) Land $517,600 Building $472,300 | |
| 2023 | $12,200.00 | $893,100 Land $467,100 Building $426,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Napier Rd in Zone X, an area of minimal flood risk.
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 | 4 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 risk around 4 Napier Rd 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 97% of the US · lower than 94% 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 140 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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