4 Willoughby Ln, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 4 Willoughby Ln, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 9 ba · 11,275 sqft · built 2011
Lot Size	1.13 acres (49,497 sqft)
Owner	2 Individual Names on File
Last Sale	$3,200,000 (Mar 2024)
Tax Bill	$42,090 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Oct 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00076 B:00051 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00076 B:00051 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	9 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	11,275 sqft Living Area
Gross Area	17,793 sqft
Basement Area	3,761 sqft
Unfinished Basement	752 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,497 sqft (1.13 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4 WILLOUGHBY LN
City	ANDOVER
State	MA
Zip	01810-4836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	WILLOUGHBY ESTATES
Legal Block	51
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1005
Census Tract	254301

Owner

4 Willoughby Ln is owned and occupied by two individuals who bought it in March 2024.

Source: Essex County and Andover Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 WILLOUGHBY LN, ANDOVER, MA 01810-4836
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Oct 18, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance YOULAND
Jul 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance RALPH CARUSO JR
Apr 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance RALPH CARUSO JR
Apr 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LILLIAN MONTALTO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2024 · Amount on File
Deed Sale	Mar 25, 2024 · Amount on File
Prior Sale	Feb 21, 2012
Deed Document Number	20244235
Deed Book / Page	17952 / 292
Record Updated	Oct 29, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 25, 2024
Property Address	4 WILLOUGHBY LN, ANDOVER, MA 01810-4836
Document Number	017952-292
Book / Page	17952 / 292
Instrument Date	Mar 25, 2024
Instrument	4235
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 WILLOUGHBY LN, ANDOVER, MA 01810-4836

Mortgage

Document Number	0000004236
Date	Mar 25, 2024
Instrument	4236

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	4 WILLOUGHBY LN, ANDOVER, MA 01810-4836
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017857-258
Date	Oct 18, 2023
Book Page	17857/258
Instrument	17289

Lender

Name	YOULAND

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	25 Months
Due	Nov 1, 2025

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	4 WILLOUGHBY LN, ANDOVER, MA 01810-4836
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017781-240
Date	Jul 11, 2023
Book Page	17781/240
Instrument	10857

Lender

Name	RALPH CARUSO JR

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	4 WILLOUGHBY LN, ANDOVER, MA 01810-4836
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017715-19
Date	Apr 11, 2023
Book Page	17715/19
Instrument	5246

Lender

Name	RALPH CARUSO JR

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	4 WILLOUGHBY LN, ANDOVER, MA 01810-4836
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017715-26
Date	Apr 11, 2023
Book Page	17715/26
Instrument	5247

Lender

Name	LILLIAN MONTALTO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4 Willoughby Ln was $42,090, down 26.2% from the year before.

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	$42,090.00 (-26.18%)	$3,369,900 (-23.87%) Land $829,700 Building $2,540,200	$3,377,155
2024	$57,016.00 (+5.63%)	$4,426,700 (+12.03%) Land $1,519,200 Building $2,907,500
2023	$53,976.00	$3,951,400 Land $1,298,800 Building $2,652,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4 Willoughby Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1987.

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	6 in force
Nearby Flood Claims	6 (1987–2010)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims

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

Wildfire risk around 4 Willoughby Ln 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 98% of the US · lower than 96% 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.

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 85 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

Cell Coverage

5G and 4G LTE (outdoors only)

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