5 Deca Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 5 Deca Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,884 sqft · built 1994
Lot Size	1 acres (43,943 sqft)
Owner	2 Individual Names on File
Last Sale	$658,000 (Nov 2017)
Tax Bill	$13,687 (2025)
Deeds & Mortgages	Jun 2022 Refinance Jul 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00212 B:00006 L:0000B`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00212 B:00006 L:0000B`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,884 sqft Living Area
Gross Area	5,495 sqft
Basement Area	1,648 sqft
Unfinished Basement	1,648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,943 sqft (1 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	5 DECA CIR
City	ANDOVER
State	MA
Zip	01810-5332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	6
Legal Lot Number	B
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3020
Census Tract	254402

Owner

5 Deca Cir is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 DECA CIR, ANDOVER, MA 01810-5332
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 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 2, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SOFI BANK NA
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Aug 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Nov 8, 2017	Quit Claim Deed, Transfer GMH MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2017 · Amount on File
Deed Sale	Nov 8, 2017 · Amount on File
Prior Sale	Sep 28, 1994 · Amount on File
Deed Book / Page	15290 / 292
Transfer Doc	015290-292
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 DECA CIR, ANDOVER, MA 01810-5332
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017482-280
Date	Jun 22, 2022
Book Page	17482/280
Instrument	14686

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 DECA CIR, ANDOVER, MA 01810-5332
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018322-134
Date	Jul 2, 2025
Book Page	18322/134
Instrument	11020

Lender

Name	SOFI BANK NA

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2045

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 DECA CIR, ANDOVER, MA 01810-5332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16402-133
Date	Jul 17, 2020
Book Page	16402/133
Instrument	18123

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 DECA CIR, ANDOVER, MA 01810-5332
Document Number	15947-349
Instrument Date	Aug 1, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 DECA CIR ANDOVER MA 018105332, ANDOVER, MA 01810-5332

Mortgage

Document Number	15947-349
Date	Aug 6, 2019
Book Page	015947/000349
Instrument	613

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 8, 2017
Property Address	5 DECA CIR, ANDOVER, MA 01810-5332
Document Number	15290-292
Book / Page	15290 / 292
Instrument	29337
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	$102.60
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 DECA CIR, ANDOVER, MA 01810-5332

Mortgage

Document Number	152900294
Date	Nov 8, 2017
Instrument	15290/0294

Lender

Name	GMH MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5 Deca Cir was $13,687, up 2.8% 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	$13,687.00 (+2.82%)	$1,095,800 (+6.03%) Land $509,800 Building $586,000	$965,770
2024	$13,311.00 (+6.62%)	$1,033,500 (+13.07%) Land $478,400 Building $555,100
2023	$12,485.00	$914,000 Land $409,000 Building $505,000

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

Flood

FEMA maps place 5 Deca Cir 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	3 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

Wildfire risk around 5 Deca Cir 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 96% of the US · lower than 92% 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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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