Essex County and North Andover Town property record for 45 Colgate Dr, North Andover, MA 01845
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,421 sqft · built 1964 |
| Lot Size | 0.485 acres (21,122 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (Jun 2009) |
| Tax Bill | $7,176 (2025) |
| Deeds & Mortgages | Sep 2020 Refinance May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M_231153_9 |
| Primary APN | M_231153_9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,421 sqft Living Area |
| Gross Area | 3,338 sqft |
| 1st Floor Area | 1,421 sqft |
| Basement Area | 1,421 sqft |
| Unfinished Basement | 1,421 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,122 sqft (0.485 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | M_231153_939613 |
|---|---|
| Street Address | 45 COLGATE DR |
| City | NORTH ANDOVER |
| State | MA |
| Zip | 01845-1806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Subdivision | OSGOOD ACRES |
| Legal Block | 11 |
| Jurisdiction | NORTH ANDOVER MA |
| Township / Civil Division | NORTH ANDOVER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 253201 |
45 Colgate Dr is owned and occupied by an individual who bought it in June 2009.
Source: Essex County and North Andover Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 COLGATE DR, NORTH ANDOVER, MA 01845-1806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 11, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance EAST WEST MORTGAGE LLC |
| May 21, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2009 · Amount on File |
| Deed Sale | Jun 12, 2009 · Amount on File |
| Prior Sale | Aug 6, 1993 · Amount on File |
| Deed Document Number | 200916599 |
| Deed Book / Page | 11640 / 5 |
| Transfer Doc | 9495-146 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH ANDOVER MA |
| Property Address | 45 COLGATE DR, NORTH ANDOVER, MA 01845-1806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16487-304 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 16487/304 |
| Instrument | 24165 |
| Name | EAST WEST MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH ANDOVER MA |
| Property Address | 45 COLGATE DR, NORTH ANDOVER, MA 01845-1806 |
| Document Number | 16345-150 |
| Instrument Date | May 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 COLGATE DR NORTH ANDOVER MA 018451806, NORTH ANDOVER, MA 01845-1806 |
| Document Number | 16345-150 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 016345/000150 |
| Instrument | 13970 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 10, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45 Colgate Dr was $7,176, up 4.6% from the year before.
Source: Essex County and North Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | North Andover Town |
| Unified School District | North Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,176.00 (+4.64%) | $637,300 (+3.06%) Land $360,500 Building $276,800 | $643,815 |
| 2024 | $6,858.00 (+4.08%) | $618,400 (+14.88%) Land $341,600 Building $276,800 | |
| 2023 | $6,589.00 | $538,300 Land $288,400 Building $249,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Colgate Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 | 2 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · Coastal Storms, Flood, Ice & Snow |
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 45 Colgate Dr is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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