41 Carmel Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 41 Carmel Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,974 sqft · built 1905
Lot Size	0.156 acres (6,787 sqft)
Owner	Trust Name on File
Last Sale	$610,000 (May 2019)
Tax Bill	$10,880 (2025)
Deeds & Mortgages	Oct 2022 Transfer May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00020 B:00086 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00020 B:00086 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,974 sqft Living Area
Gross Area	4,446 sqft
Basement Area	1,328 sqft
Unfinished Basement	1,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,787 sqft (0.156 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	41 CARMEL RD
City	ANDOVER
State	MA
Zip	01810-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	86
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254100

Owner

41 Carmel Rd is owner-occupied and held in a trust since August 2022.

Source: Essex County and 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	Trust Name on File
Mailing Address	41 CARMEL RD, ANDOVER, MA 01810-3119
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Quit Claim Deed, Transfer Quitclaim
May 14, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2019 · Amount on File
Deed Sale	May 14, 2019 · Amount on File
Prior Sale	Sep 22, 2000 · Amount on File
Deed Book / Page	15844 / 329
Last Transfer Date	Aug 17, 2022
Transfer Doc	017585-152
Record Updated	Sep 20, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Oct 3, 2022
Property Address	41 CARMEL RD, ANDOVER, MA 01810-3119
Document Number	017585-152
Book / Page	17585 / 152
Instrument Date	Aug 17, 2022
Instrument	23199
Transaction Type	Transfer
Record Updated	Oct 21, 2022

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
Address	41 CARMEL RD, ANDOVER, MA 01810-3119

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 14, 2019
Property Address	41 CARMEL RD, ANDOVER, MA 01810-3119
Document Number	15844-329
Book / Page	15844 / 329
Instrument Date	May 13, 2019
Instrument	10400
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	41 CARMEL RD, ANDOVER, MA 01810-3119
Investor	Possibly a Property Investor

Mortgage

Document Number	10401
Date	May 14, 2019
Instrument	10401

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 41 Carmel Rd was $10,880, up 5% 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	$10,880.00 (+4.96%)	$871,100 (+8.24%) Land $504,200 Building $366,900	$761,615
2024	$10,366.00 (+4.62%)	$804,800 (+10.96%) Land $461,900 Building $342,900
2023	$9,908.00	$725,300 Land $416,000 Building $309,300

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

Flood

FEMA maps place 41 Carmel 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

The area around 41 Carmel Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 495 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

May also be available: AT&T, T-Mobile.

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