Essex County and Andover Town property record for 40 Lowell St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,176 sqft · built 1932 |
| Lot Size | 0.274 acres (11,931 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Sep 2019) |
| Tax Bill | $7,443 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00053 B:00026 L:00000 |
| Primary APN | ANDO M:00053 B:00026 L:00000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 4,033 sqft |
| Basement Area | 868 sqft |
| Unfinished Basement | 868 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,931 sqft (0.274 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 40 LOWELL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-2930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 26 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 254100 |
40 Lowell St is owned and occupied by two individuals who bought it in September 2019.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 LOWELL ST, ANDOVER, MA 01810-2930 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jun 28, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 30, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2019 · Amount on File |
| Deed Sale | Sep 30, 2019 · Amount on File |
| Prior Sale | Jan 15, 2016 · Amount on File |
| Deed Book / Page | 16019 / 121 |
| Prior Transfer Date | Sep 27, 2019 |
| Prior Transfer Doc | 16019-121 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 40 LOWELL ST, ANDOVER, MA 01810-2930 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 017001-153 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 17001/153 |
| Instrument | 21314 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Sep 30, 2019 |
| Property Address | 40 LOWELL ST, ANDOVER, MA 01810-2930 |
| Document Number | 16019-121 |
| Book / Page | 016019 / 000121 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 23979 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,166.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 40 LOWELL ST ANDOVER MA 018102930, ANDOVER, MA 01810-2930 |
The 2025 property tax bill for 40 Lowell St was $7,443, down 1.3% 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 | $7,443.00 (-1.29%) | $595,900 (+1.79%) Land $357,700 Building $238,200 | $632,605 |
| 2024 | $7,540.00 (+3.33%) | $585,400 (+9.58%) Land $353,700 Building $231,700 | |
| 2023 | $7,297.00 | $534,200 Land $327,400 Building $206,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Lowell St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 individual policies |
| Nearby Flood Policies | 72 units insured incl. 60 condo units |
| Nearby Flood Claims | 43 (1979–2010) |
| Claims Outside the SFHA | 5 of 43 |
| Most Recent Claim | Apr 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 40 Lowell St 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 95% of the US · lower than 90% 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 186 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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