Essex County and Andover Town property record for 4 Pepperidge Cir, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,436 sqft · built 1978 |
| Lot Size | 1.02 acres (44,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $221,000 (Sep 1992) |
| Tax Bill | $10,233 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00190 B:00035 L:00000 |
| Primary APN | ANDO M:00190 B:00035 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,436 sqft Living Area |
| Gross Area | 4,236 sqft |
| Basement Area | 1,624 sqft |
| Unfinished Basement | 812 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,780 sqft (1.02 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 4 PEPPERIDGE CIR |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | PEPPERIDGE CIRCLE |
| Legal Block | 35 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 254402 |
4 Pepperidge Cir is owned and occupied by two individuals who bought it in September 1992.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 PEPPERIDGE CIR, ANDOVER, MA 01810-3230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jan 27, 2026 | Deed of Trust, Mortgage · Line of Credit METRO CU |
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 1992 · Amount on File |
| Deed Sale | Sep 1, 1992 · Amount on File |
| Deed Book / Page | 3535 / 158 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 PEPPERIDGE CIR, ANDOVER, MA 01810-3230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 018497-271 |
|---|---|
| Date | Jan 27, 2026 |
| Book Page | 18497/271 |
| Instrument | 1274 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 4 PEPPERIDGE CIR, ANDOVER, MA 01810-3230 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000129001 |
|---|---|
| Date | Aug 21, 2023 |
| Instrument | 129001 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 4 Pepperidge Cir was $10,233, up 5.8% 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 | $10,233.00 (+5.8%) | $819,300 (+9.11%) Land $510,100 Building $309,200 | $956,080 |
| 2024 | $9,672.00 (+3.12%) | $750,900 (+9.36%) Land $457,900 Building $293,000 | |
| 2023 | $9,379.00 | $686,600 Land $412,400 Building $274,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Pepperidge Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 |
| Nearby Flood Claims | 3 (1979–2010) |
| Claims Outside the SFHA | 2 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.
Wildfire risk around 4 Pepperidge Cir 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 94% of the US · lower than 88% 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 49 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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures