540 Sharpners Pond Rd, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 540 Sharpners Pond Rd, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,581 sqft · built 1986
Lot Size	4.1 acres (178,596 sqft)
Owner	2 Individual Names on File
Last Sale	$686,000 (Jun 2019)
Tax Bill	$10,560 (2025)
Deeds & Mortgages	Feb 2021 Refinance Aug 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M_237647_9`

Property Details

APN / Parcel Number

Primary APN	`M_237647_9`
Alternative APNs	`NAND M:00090 B:B0038 L:00000` `M_237647_931984`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,581 sqft Living Area
Gross Area	5,435 sqft
1st Floor Area	1,498 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,019 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	178,596 sqft (4.1 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M_237647_931984
Street Address	540 SHARPNERS POND RD
City	NORTH ANDOVER
State	MA
Zip	01845-3336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	B0038
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	2
Census Block	2007
Census Tract	253205

Owner

540 Sharpners Pond Rd is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 SHARPNERS POND RD, NORTH ANDOVER, MA 01845-3336
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

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Aug 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance EAGLE BANK
May 20, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance EAGLE BANK
Jun 28, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI
May 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on File
Deed Sale	Jun 28, 2019 · Amount on File
Prior Sale	Jun 12, 2013 · Amount on File
Deed Book / Page	15901 / 164
Prior Transfer Date	Jun 13, 2019
Prior Transfer Doc	15901-164
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	540 SHARPNERS POND RD, NORTH ANDOVER, MA 01845-3336
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016749-331
Date	Feb 3, 2021
Book Page	16749/331
Instrument	3870

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	540 SHARPNERS POND RD, NORTH ANDOVER, MA 01845-3336
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017820-115
Date	Aug 28, 2023
Book Page	17820/115
Instrument	14047

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	540 SHARPNERS POND RD, NORTH ANDOVER, MA 01845-3336
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017993-223
Date	May 20, 2024
Book Page	17993/223
Instrument	7604

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH ANDOVER MA
Recording Date	Jun 28, 2019
Property Address	540 SHARPNERS POND RD, NORTH ANDOVER, MA 01845-3336
Document Number	15901-164
Book / Page	015901 / 000164
Instrument Date	Jun 13, 2019
Instrument	14978
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,128.16
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	540 SHARPNERS POND RD #D NORTH ANDOVER MA 018453336, D, NORTH ANDOVER, MA 01845-3336

Mortgage

Document Number	15901-167
Date	Jun 28, 2019
Book Page	015901/000167
Instrument	14979

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	540 SHARPNERS POND RD, NORTH ANDOVER, MA 01845-3336
Document Number	15081-54
Book / Page	015081 / 000054
Instrument Date	May 9, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	15081-54
Date	May 15, 2017
Book Page	015081/000054
Instrument	11924

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 540 Sharpners Pond Rd was $10,560, up 6.9% from the year before.

Source: Essex County and North Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	North Andover Town
Unified School District	North Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,560.00 (+6.9%)	$937,800 (+5.29%) Land $407,500 Building $530,300	$863,455
2024	$9,878.00 (+1.5%)	$890,700 (+12.02%) Land $385,700 Building $505,000
2023	$9,732.00	$795,100 Land $351,200 Building $443,900

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

Flood

FEMA maps place 540 Sharpners Pond Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.

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
Nearby Flood Claims	6 (1996–2006)
Claims Outside the SFHA	4 of 6
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims Extreme Weather Conditons And Flooding, Oct 1996 · 3 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

Wildfire risk around 540 Sharpners Pond Rd is low, with a 0.02% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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