5 Penacook Pl, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 5 Penacook Pl, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,812 sqft · built 1979
Lot Size	0.927 acres (40,380 sqft)
Owner	2 Company Names on Record
Last Sale	$768,500 (Aug 2018)
Tax Bill	$14,541 (2025)
Deeds & Mortgages	Dec 2023 Transfer May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00113 B:00006 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00113 B:00006 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,812 sqft Living Area
Gross Area	4,792 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,380 sqft (0.927 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	5 PENACOOK PL
City	ANDOVER
State	MA
Zip	01810-4733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	INDIAN RDG DEV CORP
Legal Block	6
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1008
Census Tract	254403

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	5 PENACOOK PL, ANDOVER, MA 01810-4733
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2023	Quit Claim Deed, Transfer Quitclaim
May 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance E MORTGAGE MANAGEMENT LLC
Aug 30, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2018 · Amount on Record
Deed Sale	Aug 30, 2018 · Amount on Record
Prior Sale	Apr 26, 1979 · Amount on Record
Deed Book / Page	15600 / 204
Transfer Doc	015600-204
Record Updated	Oct 29, 2026

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 19, 2023
Property Address	5 PENACOOK PL, ANDOVER, MA 01810-4733
Document Number	0017899-66
Book / Page	17899 / 66
Instrument Date	Dec 15, 2023
Instrument	20880
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 PENACOOK PL, ANDOVER, MA 01810-4733

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 PENACOOK PL, ANDOVER, MA 01810-4733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16300-160
Date	May 11, 2020
Book Page	16300/160
Instrument	10959

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company

Agreement

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

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 30, 2018
Property Address	5 PENACOOK PL, ANDOVER, MA 01810-4733
Document Number	15600-204
Book / Page	015600 / 000204
Instrument Date	Aug 10, 2018
Instrument	21138
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,504.36
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	5 PENACOOK PL ANDOVER MA 018104733, ANDOVER, MA 01810-4733

Mortgage

Document Number	15600-207
Date	Aug 30, 2018
Book Page	015600/000207
Instrument	21139

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2048

Tax Assessment & Valuation

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	$14,541.00 (-0.96%)	$1,164,200 (+2.13%) Land $618,300 Building $545,900	$1,271,955
2024	$14,682.00 (+4.32%)	$1,139,900 (+10.64%) Land $614,700 Building $525,200
2023	$14,074.00	$1,030,300 Land $553,600 Building $476,700

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

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	13 (1983–2010)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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

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 109 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

Cell Coverage

5G (outdoors only) and 4G LTE

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