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44 Lowell St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 44 Lowell St, Andover, MA 01810

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,901 sqft · built 1937
Lot Size0.26 acres (11,330 sqft)
Owner2 Trust Names on File
Last Sale$185,000 (Nov 1988)
Tax Bill$9,269 (2025)
Deeds & MortgagesNov 2020 Transfer
Sep 2020 Refinance
+ 1 more
Flood ZoneZone X (minimal risk)
APNANDO M:00053 B:00027 L:00000

Property Details

APN / Parcel Number

Primary APNANDO M:00053 B:00027 L:00000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,901 sqft Living Area
Gross Area3,360 sqft
Basement Area768 sqft
Unfinished Basement538 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1937
Effective Year BuiltEffective 1937
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGambrel
Roof MaterialAsphalt
Lot Area11,330 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address44 LOWELL ST
CityANDOVER
StateMA
Zip01810-2930
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSRA
Legal Block27
JurisdictionANDOVER MA
Township / Civil DivisionANDOVER
Census Block Group3
Census Block3000
Census Tract254100

Owner

44 Lowell St is owner-occupied and held in a trust since November 1988.

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

Owner of Record2 Trust Names on File
Mailing Address44 LOWELL ST, ANDOVER, MA 01810-2930
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Nov 16, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Sep 11, 2020Quit Claim Deed, Transfer · Stand-Alone Refinance
DIGITAL FCU
Jun 30, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 4, 1988 · Amount on File
Deed SaleNov 4, 1988 · Amount on File
Record UpdatedOct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionANDOVER MA
Recording DateNov 16, 2020
Property Address44 LOWELL ST, ANDOVER, MA 01810-2930
Document Number16606-283
Book / Page016606 / 000283
Instrument DateNov 13, 2020
Instrument32198
Transaction TypeTransfer
Record UpdatedDec 9, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address44 LOWELL ST ANDOVER MA 018102930, ANDOVER, MA 01810-2930

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionANDOVER MA
Recording DateSep 11, 2020
Property Address44 LOWELL ST, ANDOVER, MA 01810-2930
Document Number16487-193
Book / Page16487 / 193
Instrument DateSep 10, 2020
Instrument24126
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address44 LOWELL ST, ANDOVER, MA 01810-2930

Mortgage

Document Number16487-198
DateSep 11, 2020
Book Page16487/198
Instrument24127
Lender
NameDIGITAL FCU
TypeCredit Union
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term121 Months
DueOct 1, 2030

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionANDOVER MA
Recording DateJun 30, 2020
Property Address44 LOWELL ST, ANDOVER, MA 01810-2930
Document Number16373-28
Book / Page016373 / 000028
Instrument DateJun 23, 2020
Instrument16042
Transaction TypeTransfer
Record UpdatedJul 21, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address44 LOWELL ST ANDOVER MA 018102930, ANDOVER, MA 01810-2930

Tax Assessment & Valuation

The 2025 property tax bill for 44 Lowell St was $9,269, up 3.1% from the year before.

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionAndover Town
Unified School DistrictAndover School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,269.00 (+3.07%)$742,100 (+6.29%) Land $355,900 Building $386,200$717,630
2024$8,993.00 (+3.3%)$698,200 (+9.56%) Land $351,800 Building $346,400
2023$8,706.00$637,300 Land $325,700 Building $311,600

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

Flood

FEMA maps place 44 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 individual policies
Nearby Flood Policies72 units insured
incl. 60 condo units
Nearby Flood Claims43 (1979–2010)
Claims Outside the SFHA5 of 43
Most Recent ClaimApr 2010 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Apr 2010 · 12 claims
  • Severe Storms And Flooding, May 2006 · 9 claims
  • Extreme Weather Conditons And Flooding, Oct 1996 · 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 44 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 RiskLow
lower than 95% of the US · lower than 90% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemANDOVER WATER DEPT
serves 36,569 people · EPA ID MA3009000
Water SourceSurface water
Last State InspectionOct 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line replacement
currently in violation since Nov 2021
Corrosion control
Jan 2022
Monitoring and ReportingNone
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 186 locations within half a mile, as of December 31, 2025

ProviderMax 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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