475 Winter St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 475 Winter St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,260 sqft · built 1976
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$472,000 (Jul 2011)
Tax Bill	$9,297 (2025)
Deeds & Mortgages	Oct 2021 Refinance Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M_235526_9`

Property Details

APN / Parcel Number

Primary APN	`M_235526_9`
Alternative APNs	`NAND M:00104 B:A0083 L:00000` `M_235526_937803`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,260 sqft Living Area
Gross Area	3,772 sqft
1st Floor Area	1,272 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M_235526_937803
Street Address	475 WINTER ST
City	NORTH ANDOVER
State	MA
Zip	01845-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	PLAN 7310
Legal Block	A0083
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	1
Census Block	1001
Census Tract	253205

Owner

475 Winter St is owned and occupied by two individuals who bought it in July 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	475 WINTER ST, NORTH ANDOVER, MA 01845-1412
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jan 12, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
May 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST WORLD MORTGAGE CORPORATION
Sep 30, 2020	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2011 · Amount on File
Deed Sale	Jul 22, 2011 · Amount on File
Prior Sale	Apr 2, 2007 · Amount on File
Deed Document Number	20111
Deed Book / Page	12555 / 72
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	475 WINTER ST, NORTH ANDOVER, MA 01845-1412
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17197-217
Date	Oct 26, 2021
Book Page	17197/217
Instrument	35347

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	475 WINTER ST, NORTH ANDOVER, MA 01845-1412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14952-135
Date	Jan 12, 2017
Book Page	14952/135
Instrument	974

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	475 WINTER ST, NORTH ANDOVER, MA 01845-1412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16309-335
Date	May 18, 2020
Book Page	16309/335
Instrument	11569

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	475 WINTER ST, NORTH ANDOVER, MA 01845-1412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16519-186
Date	Sep 30, 2020
Book Page	16519/186
Instrument	26243

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 475 Winter St was $9,297, up 5.1% from the year before.

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	$9,297.00 (+5.11%)	$825,700 (+3.52%) Land $414,300 Building $411,400	$783,655
2024	$8,845.00 (+4.81%)	$797,600 (+15.68%) Land $392,500 Building $405,100
2023	$8,439.00	$689,500 Land $331,500 Building $358,000

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

Flood

FEMA maps place 475 Winter St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (1998–2014)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Mar 2014 · rainfall accumulation

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 475 Winter St 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	Direct burnable vegetation

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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

Cell Coverage

4G LTE (outdoors only), no 5G reported

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