Essex County and Andover Town property record for 541 Lowell St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,753 sqft · built 1910 |
| Lot Size | 1.36 acres (59,242 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $620,000 (Sep 2020) |
| Tax Bill | $9,140 (2025) |
| Deeds & Mortgages | Jan 2024 Refinance Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00221 B:00004 L:00000 |
| Primary APN | ANDO M:00221 B:00004 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,753 sqft Living Area |
| Gross Area | 3,352 sqft |
| Basement Area | 688 sqft |
| Unfinished Basement | 688 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 59,242 sqft (1.36 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 541 LOWELL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-5306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 4 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 254402 |
541 Lowell St is owned and occupied by two individuals who bought it in September 2020.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 541 LOWELL ST, ANDOVER, MA 01810-5306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jan 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU |
| Sep 28, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| Dec 27, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2020 · Amount on File |
| Deed Sale | Sep 28, 2020 · Amount on File |
| Prior Sale | Aug 4, 2014 · Amount on File |
| Deed Book / Page | 16515 / 320 |
| Prior Transfer Date | Sep 18, 2020 |
| Prior Transfer Doc | 16515-320 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 541 LOWELL ST, ANDOVER, MA 01810-5306 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 017914-277 |
|---|---|
| Date | Jan 16, 2024 |
| Book Page | 17914/277 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Sep 28, 2020 |
| Property Address | 541 LOWELL ST, ANDOVER, MA 01810-5306 |
| Document Number | 16515-320 |
| Book / Page | 16515 / 320 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 26029 |
| Transaction Type | Transfer |
| Record Updated | May 12, 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 | Joint Tenants |
| Address | 541 LOWELL ST, ANDOVER, MA 01810-5306 |
| Document Number | 26030 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 26030 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 541 LOWELL ST, ANDOVER, MA 01810-5306 |
| Document Number | 15355-185 |
| Instrument Date | Dec 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|
| Document Number | 15355-185 |
|---|---|
| Date | Jan 8, 2018 |
| Book Page | 015355/000185 |
| Instrument | 407 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 7, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 541 Lowell St was $9,140, up 1.6% 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 | $9,140.00 (+1.59%) | $731,800 (+4.77%) Land $438,400 Building $293,400 | $715,160 |
| 2024 | $8,997.00 (+2.83%) | $698,500 (+9.06%) Land $427,700 Building $270,800 | |
| 2023 | $8,749.00 | $640,500 Land $396,400 Building $244,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 541 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 541 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 96% of the US · lower than 92% 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 23 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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