Essex County and Andover Town property record for 511 Lowell St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,813 sqft · built 1966 |
| Lot Size | 1 acres (43,612 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $570,000 (Aug 2020) |
| Tax Bill | $9,740 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00222 B:00028 L:00000 |
| Primary APN | ANDO M:00222 B:00028 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,813 sqft Living Area |
| Gross Area | 3,730 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,612 sqft (1 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 511 LOWELL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-5321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | ANDOVER |
| Legal Block | 28 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 254402 |
Source: Essex County and Andover Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 511 LOWELL ST, ANDOVER, MA 01810-5321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND |
| Sep 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CHOICE LN SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2020 · Amount on Record |
| Deed Sale | Aug 7, 2020 · Amount on Record |
| Prior Sale | Sep 19, 2014 · Amount on Record |
| Deed Book / Page | 16433 / 297 |
| Prior Transfer Date | Aug 4, 2020 |
| Prior Transfer Doc | 16433-297 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Aug 7, 2020 |
| Property Address | 511 LOWELL ST, ANDOVER, MA 01810-5321 |
| Document Number | 16433-297 |
| Book / Page | 16433 / 297 |
| Instrument Date | Aug 4, 2020 |
| Instrument | 20337 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 511 LOWELL ST, ANDOVER, MA 01810-5321 |
| Document Number | 20338 |
|---|---|
| Date | Aug 7, 2020 |
| Instrument | 20338 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 511 LOWELL ST, ANDOVER, MA 01810-5321 |
| Document Number | 15226-134 |
| Book / Page | 015226 / 000134 |
| Instrument Date | Sep 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 15226-134 |
|---|---|
| Date | Sep 18, 2017 |
| Book Page | 015226/000134 |
| Instrument | 24126 |
| Name | FIRST CHOICE LN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2047 |
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,740.00 (+3.07%) | $779,800 (+6.28%) Land $435,700 Building $344,100 | $657,970 |
| 2024 | $9,450.00 (+2.92%) | $733,700 (+9.15%) Land $425,200 Building $308,500 | |
| 2023 | $9,182.00 | $672,200 Land $393,900 Building $278,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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