51 Carmel Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 51 Carmel Rd, Andover, MA 01810

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,946 sqft · built 1940
Lot Size	0.213 acres (9,305 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Oct 2017)
Tax Bill	$7,972 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00020 B:00083 L:00001`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00020 B:00083 L:00001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,946 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,305 sqft (0.213 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	51 CARMEL RD
City	ANDOVER
State	MA
Zip	01810-3119
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SRA
Legal Subdivision	49 CARMEL ROAD CONDO
Legal Block	83
Legal Lot Number	1
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254100

Owner

51 Carmel Rd, a condominium, is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	51 CARMEL RD, ANDOVER, MA 01810-3119
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2017 · Amount on File
Deed Sale	Oct 31, 2017 · Amount on File
Prior Sale	Feb 16, 2007 · Amount on File
Deed Book / Page	15279 / 334
Transfer Doc	015279-334
Record Updated	Oct 29, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Oct 31, 2017
Property Address	51 CARMEL RD, ANDOVER, MA 01810-3119
Document Number	15279-334
Book / Page	015279 / 000334
Instrument Date	Oct 31, 2017
Instrument	28459
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 CARMEL RD #A ANDOVER MA 018103119, A, ANDOVER, MA 01810-3119

Mortgage

Document Number	15279-338
Date	Oct 31, 2017
Book Page	015279/000338
Instrument	28460

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 51 Carmel Rd was $7,972, up 9.9% 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	$7,972.00 (+9.88%)	$638,300 (+13.31%) Building $638,300	$675,355
2024	$7,255.00 (+4.95%)	$563,300 (+11.3%) Building $563,300
2023	$6,913.00	$506,100 Building $506,100

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

Flood

FEMA maps place 51 Carmel Rd 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	4 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

The area around 51 Carmel Rd 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	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.

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