40 3rd St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 40 3rd St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,130 sqft · built 1910
Lot Size	0.233 acres (10,149 sqft)
Owner	2 Individual Names on File
Last Sale	$334,900 (Jul 2008)
Tax Bill	$6,870 (2025)
Deeds & Mortgages	May 2021 Refinance May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M_230260_9`

Property Details

APN / Parcel Number

Primary APN	`M_230260_9`
Alternative APNs	`NAND M:00031 B:00014 L:00000` `M_230260_938763`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,130 sqft Living Area
Gross Area	4,302 sqft
1st Floor Area	1,140 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,149 sqft (0.233 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	M_230260_938763
Street Address	40 3RD ST
City	NORTH ANDOVER
State	MA
Zip	01845-3624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	14
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	3
Census Block	3002
Census Tract	253100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	40 3RD ST, NORTH ANDOVER, MA 01845-3624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
May 5, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance BANK OF AMERICA NA
Sep 20, 2019	Deed of Trust, Mortgage · Line of Credit TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2008 · Amount on File
Deed Sale	Jul 15, 2008 · Amount on File
Deed Document Number	200818678
Deed Book / Page	11251 / 190
Last Transfer Date	Apr 27, 2021
Transfer Doc	16914-226
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	40 3RD ST, NORTH ANDOVER, MA 01845-3624
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016914-230
Date	May 5, 2021
Book Page	16914/230
Instrument	15049

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH ANDOVER MA
Recording Date	May 5, 2021
Property Address	40 3RD ST, NORTH ANDOVER, MA 01845-3624
Document Number	16914-226
Book / Page	16914 / 226
Instrument Date	Apr 27, 2021
Instrument	15048
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 3RD ST, NORTH ANDOVER, MA 01845-3624

Mortgage

Document Number	16914-230
Date	May 5, 2021
Book Page	16914/230
Instrument	15049

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	40 3RD ST, NORTH ANDOVER, MA 01845-3624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16004-175
Date	Sep 20, 2019
Book Page	16004/175
Instrument	22938

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Essex County and North Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	North Andover Town
Unified School District	North Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,870.00 (+6.05%)	$610,100 (+4.45%) Land $334,500 Building $275,600	$707,560
2024	$6,478.00 (+10.77%)	$584,100 (+22.25%) Land $316,900 Building $267,200
2023	$5,848.00	$477,800 Land $267,600 Building $210,200

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

Flood

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	NORTH ANDOVER WATER DEPT serves 30,915 people · EPA ID MA3210000
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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