49 Carmel Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 49 Carmel Rd, Andover, MA 01810

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,968 sqft · built 1940
Lot Size	0.213 acres (9,290 sqft)
Owner	2 Individual Names on File
Last Sale	$525,500 (Jun 2017)
Tax Bill	$7,192 (2025)
Deeds & Mortgages	Jun 2022 Refinance Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00020 B:00083 L:00002`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00020 B:00083 L:00002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,968 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,290 sqft
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	49 CARMEL RD
City	ANDOVER
State	MA
Zip	01810-3119
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SRA
Legal Block	83
Legal Lot Number	2
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254100

Owner

49 Carmel Rd, a condominium, is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	49 CARMEL RD, ANDOVER, MA 01810-3119
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jun 19, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2017 · Amount on File
Deed Sale	Jun 19, 2017 · Amount on File
Prior Sale	Dec 14, 2007 · Amount on File
Deed Book / Page	15118 / 321
Transfer Doc	015118-321
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	49 CARMEL RD, ANDOVER, MA 01810-3119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017471-28
Date	Jun 9, 2022
Book Page	17471/28
Instrument	13699

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 19, 2017
Property Address	49 CARMEL RD, ANDOVER, MA 01810-3119
Document Number	15118-321
Book / Page	015118 / 000321
Instrument Date	May 17, 2017
Instrument	15124
Transaction Type	Transfer
Record Updated	Aug 23, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,396.28
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	49B CARMEL RD #B ANDOVER MA 01810, B, ANDOVER, MA 01810

Mortgage

Document Number	15118-323
Date	Jun 19, 2017
Book Page	015118/000323
Instrument	15125

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 49 Carmel Rd was $7,192, down 11.3% 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	$7,192.00 (-11.3%)	$575,800 (-8.53%) Building $575,800	$716,300
2024	$8,108.00 (+4.08%)	$629,500 (+10.38%) Building $629,500
2023	$7,790.00	$570,300 Building $570,300

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

Flood

FEMA maps place 49 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 49 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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