545 Winter St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 545 Winter St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,620 sqft · built 1970
Lot Size	7.16 acres (311,890 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Oct 2020)
Tax Bill	$8,509 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M_235576_9`

Property Details

APN / Parcel Number

Primary APN	`M_235576_9`
Alternative APNs	`NAND M:00104 B:A0019 L:00000` `M_235576_937480`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
Gross Area	4,531 sqft
1st Floor Area	1,620 sqft
Basement Area	1,632 sqft
Unfinished Basement	1,632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	311,890 sqft (7.16 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	M_235576_937480
Street Address	545 WINTER ST
City	NORTH ANDOVER
State	MA
Zip	01845-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	A0019
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	1
Census Block	1001
Census Tract	253205

Owner

545 Winter St is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	545 WINTER ST, NORTH ANDOVER, MA 01845-1416
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 12, 2020	Deed of Trust, Mortgage · Balloon Mortgage SALEM FIVE CENTS SAVINGS BANK
Oct 6, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2020 · Amount on File
Deed Sale	Oct 6, 2020 · Amount on File
Prior Sale	May 30, 1997 · Amount on File
Deed Document Number	202027050
Deed Book / Page	16531 / 188
Prior Transfer Date	Sep 26, 2020
Prior Transfer Doc	16531-188
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	545 WINTER ST, NORTH ANDOVER, MA 01845-1416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16440-229
Date	Aug 12, 2020
Book Page	16440/229
Instrument	20782

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH ANDOVER MA
Recording Date	Oct 6, 2020
Property Address	545 WINTER ST, NORTH ANDOVER, MA 01845-1416
Document Number	16531-188
Book / Page	16531 / 188
Instrument Date	Sep 26, 2020
Instrument	27050
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	545 WINTER ST, NORTH ANDOVER, MA 01845-1416

Mortgage

Document Number	27051
Date	Oct 6, 2020
Instrument	27051

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 545 Winter St was $8,509, up 4.5% 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	$8,509.00 (+4.55%)	$755,700 (+2.97%) Land $487,700 Building $268,000	$595,650
2024	$8,139.00 (+3.21%)	$733,900 (+13.91%) Land $465,900 Building $268,000
2023	$7,886.00	$644,300 Land $392,700 Building $251,600

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

Flood

FEMA maps place 545 Winter St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (1998–2014)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Mar 2014 · rainfall accumulation

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 545 Winter St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH ANDOVER WATER DEPT serves 30,915 people · EPA ID MA3210000
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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