5 Seten Cir, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,323 sqft · built 1984
Lot Size	0.689 acres (30,004 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jan 2018)
Tax Bill	$11,964 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Dec 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00011 B:00023 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00011 B:00023 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,323 sqft Living Area
Gross Area	7,016 sqft
Basement Area	2,037 sqft
Unfinished Basement	2,037 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,004 sqft (0.689 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5 SETEN CIR
City	ANDOVER
State	MA
Zip	01810-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	PLAN LAND ANDOVER
Legal Block	23
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1019
Census Tract	254302

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 Individual Names on Record
Mailing Address	5 SETEN CIR, ANDOVER, MA 01810-2324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Apr 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Jan 5, 2018	Quit Claim Deed, Transfer SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2018 · Amount on Record
Deed Sale	Jan 5, 2018 · Amount on Record
Prior Sale	Nov 13, 1984 · Amount on Record
Deed Book / Page	15353 / 97
Transfer Doc	0015353-97
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 SETEN CIR, ANDOVER, MA 01810-2324
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016804-273
Date	Mar 5, 2021
Book Page	16804/273
Instrument	7503

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 SETEN CIR, ANDOVER, MA 01810-2324
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017256-197
Date	Dec 3, 2021
Book Page	17256/197
Instrument	39476

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 SETEN CIR, ANDOVER, MA 01810-2324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16283-56
Date	Apr 29, 2020
Book Page	16283/56
Instrument	9850

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	5 SETEN CIR, ANDOVER, MA 01810-2324
Document Number	16021-59
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 SETEN CIR ANDOVER MA 018102324, ANDOVER, MA 01810-2324

Mortgage

Document Number	16021-59
Date	Sep 30, 2019
Book Page	016021/000059
Instrument	24127

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 5, 2018
Property Address	5 SETEN CIR, ANDOVER, MA 01810-2324
Document Number	15353-97
Book / Page	15353 / 97
Instrument	232
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
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 SETEN CIR, ANDOVER, MA 01810-2324

Mortgage

Document Number	153530101
Date	Jan 5, 2018
Instrument	15353/0101

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 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	$11,964.00 (-1%)	$957,900 (+2.09%) Land $414,700 Building $543,200	$951,805
2024	$12,085.00 (+3.91%)	$938,300 (+10.21%) Land $402,800 Building $535,500
2023	$11,630.00	$851,400 Land $362,900 Building $488,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1996–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2022 · rainfall accumulation

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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 75 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 and 4G LTE (outdoors only)

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