497 Andover St, #499, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 497 Andover St, #499, Lawrence, MA 01843

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 3,024 sqft · built 1920
Lot Size	0.209 acres (9,094 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Dec 2019)
Tax Bill	$6,142 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`139 0000 0102 A`

Property Details

APN / Parcel Number

Primary APN	`139 0000 0102 A`
Alternative APN	`LAWR M:0139 B:0000 L:0102`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	4 Units
Stories	2 Stories
Building Area	3,024 sqft Living Area
Gross Area	4,576 sqft
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,094 sqft (0.209 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	139 0000 0102 A
Street Address	497 ANDOVER ST, 499
City	LAWRENCE
State	MA
Zip	01843-2107
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R3
Legal Subdivision	WILLIAM SHACK
Legal Lot Number	102
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1000
Census Tract	251800

Owner

497 Andover St, #499 is owned and occupied by an individual who bought it in December 2019.

Source: Essex County and Lawrence City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	497 ANDOVER ST, 499, LAWRENCE, MA 01843-2107
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
Dec 20, 2019	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 22, 2017	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Prior Sale	Feb 22, 2017 · Amount on File
Deed Document Number	201932502
Deed Book / Page	16128 / 126
Record Updated	Oct 29, 2026

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Dec 20, 2019
Property Address	497-499 ANDOVER ST, LAWRENCE, MA 01843
Document Number	16128-126
Book / Page	16128 / 126
Instrument Date	Dec 20, 2019
Instrument	32502
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	497 ANDOVER ST # 499, 499, LAWRENCE, MA 01843-2107
Investor	Possibly a Property Investor

Mortgage

Document Number	32503
Date	Dec 20, 2019
Instrument	32503

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Feb 22, 2017
Property Address	497-499 ANDOVER ST, LAWRENCE, MA 01843
Document Number	14993-202
Book / Page	14993 / 202
Instrument	4686
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	$38.37
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	149930204
Date	Feb 22, 2017
Instrument	14993/0204

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 497 Andover St, #499 was $6,142, up 10.8% from the year before.

Source: Essex County and Lawrence City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Lawrence City
Unified School District	Lawrence School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,142.00 (+10.83%)	$710,900 (+12.88%) Land $164,800 Building $546,100
2025	$5,542.00 (+1.74%)	$629,800 (+6.95%) Land $127,300 Building $502,500	$716,680
2024	$5,447.00 (-1.41%)	$588,900 (+8.29%) Land $137,800 Building $451,100
2023	$5,525.00	$543,800 Land $127,800 Building $416,000

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

Flood

FEMA maps place 497 Andover St, #499 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 497 Andover St, #499 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	LAWRENCE WATER WORKS serves 89,143 people · EPA ID MA3149000
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2016
Monitoring and Reporting	1 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 804 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

May also be available: AT&T.

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