5 Carmel Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 5 Carmel Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,043 sqft · built 1957
Lot Size	0.239 acres (10,402 sqft)
Owner	Individual Name on File
Last Sale	$789,250 (Mar 2021)
Tax Bill	$11,352 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00021 B:00018 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00021 B:00018 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,043 sqft Living Area
Gross Area	4,196 sqft
Basement Area	1,156 sqft
Unfinished Basement	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,402 sqft (0.239 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	5 CARMEL RD
City	ANDOVER
State	MA
Zip	01810-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	18
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1000
Census Tract	254200

Owner

5 Carmel Rd is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	5 CARMEL RD, ANDOVER, MA 01810-3501
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
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit COOPERATIVE BANK
Mar 17, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jul 14, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Sep 26, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2021 · Amount on File
Deed Sale	Mar 17, 2021 · Amount on File
Prior Sale	Jul 14, 2020 · Amount on File
Deed Book / Page	16826 / 334
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 CARMEL RD, ANDOVER, MA 01810-3501
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017469-24
Date	Jun 7, 2022
Book Page	17469/24
Instrument	13518

Lender

Name	COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 17, 2021
Property Address	5 CARMEL RD, ANDOVER, MA 01810-3501
Document Number	16826-334
Book / Page	16826 / 334
Instrument Date	Mar 17, 2021
Instrument	9011
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	5 CAMEL RD, ANDOVER, MA 01810-3501

Mortgage

Document Number	9012
Date	Mar 17, 2021
Instrument	9012

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 14, 2020
Property Address	5 CARMEL RD, ANDOVER, MA 01810-3501
Document Number	16396-105
Book / Page	16396 / 105
Instrument Date	Jul 6, 2020
Instrument	17679
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
Relationship	Tenants by the Entirety
Address	5 CARMEL RD, ANDOVER, MA 01810-3501

Mortgage

Document Number	17680
Date	Jul 14, 2020
Instrument	17680

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Sep 26, 2019
Property Address	5 CARMEL RD, ANDOVER, MA 01810-3501
Document Number	16014-344
Book / Page	16014 / 344
Instrument Date	Sep 25, 2019
Instrument	23666
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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	1501 MAIN ST STE 47, 47, TEWKSBURY, MA 01876-4709

Mortgage

Document Number	23667
Date	Sep 26, 2019
Instrument	23667

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5 Carmel Rd was $11,352, up 6.9% 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	$11,352.00 (+6.92%)	$908,900 (+10.26%) Land $521,000 Building $387,900	$971,280
2024	$10,617.00 (+5.24%)	$824,300 (+11.62%) Land $477,300 Building $347,000
2023	$10,088.00	$738,500 Land $429,900 Building $308,600

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

Flood

FEMA maps place 5 Carmel Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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	1 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 5 Carmel Rd 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 Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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.

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.

Nearby Properties on Carmel Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures