Essex County and Andover Town property record for 513 Lowell St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,100 sqft · built 1924 |
| Lot Size | 1 acres (43,573 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $660,000 (Dec 2021) |
| Tax Bill | $10,775 (2025) |
| Deeds & Mortgages | Jun 2021 Refinance Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00222 B:00027 L:00000 |
| Primary APN | ANDO M:00222 B:00027 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,100 sqft Living Area |
| Gross Area | 3,440 sqft |
| Basement Area | 1,140 sqft |
| Unfinished Basement | 1,140 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 43,573 sqft (1 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 513 LOWELL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-5321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 27 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 254402 |
513 Lowell St is owned and occupied by two individuals who bought it in December 2021.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 513 LOWELL ST, ANDOVER, MA 01810-5321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK |
| Dec 10, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2021 · Amount on File |
| Deed Sale | Dec 10, 2021 · Amount on File |
| Prior Sale | Apr 15, 2005 · Amount on File |
| Deed Document Number | 202140375 |
| Deed Book / Page | 17268 / 57 |
| Prior Transfer Date | Dec 9, 2021 |
| Prior Transfer Doc | 0017268-57 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 513 LOWELL ST, ANDOVER, MA 01810-5321 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 016982-325 |
|---|---|
| Date | Jun 17, 2021 |
| Book Page | 16982/325 |
| Instrument | 20012 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Jul 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Dec 10, 2021 |
| Property Address | 513 LOWELL ST, ANDOVER, MA 01810-5321 |
| Document Number | 0017268-57 |
| Book / Page | 17268 / 57 |
| Instrument Date | Dec 9, 2021 |
| Instrument | 40375 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 | 513 LOWELL ST, ANDOVER, MA 01810-5321 |
| Document Number | 0000040376 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 40376 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 513 Lowell St was $10,775, up 3.6% from the year before.
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 | $10,775.00 (+3.57%) | $862,700 (+6.8%) Land $435,700 Building $427,000 | $710,695 |
| 2024 | $10,404.00 (+3.25%) | $807,800 (+9.5%) Land $425,200 Building $382,600 | |
| 2023 | $10,077.00 | $737,700 Land $393,900 Building $343,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 513 Lowell St 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 risk around 513 Lowell St 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 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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