Essex County and Andover Town property record for 55 Lucerne Dr, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,885 sqft · built 1955 |
| Lot Size | 0.422 acres (18,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $975,000 (Nov 2021) |
| Tax Bill | $10,315 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jan 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00021 B:00158 L:00000 |
| Primary APN | ANDO M:00021 B:00158 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,885 sqft Living Area |
| Gross Area | 5,948 sqft |
| Basement Area | 1,345 sqft |
| Unfinished Basement | 336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,400 sqft (0.422 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 55 LUCERNE DR |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 158 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 254200 |
55 Lucerne Dr is owned and occupied by two individuals who acquired it in January 2025.
Source: Essex County and Andover Town records, as of October 5, 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 File |
|---|---|
| Mailing Address | 55 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Nov 21, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jan 17, 2025 | Quit Claim Deed, Transfer · Second Mortgage (Down Payment) SOFI BANK NA |
| Nov 5, 2021 | Quit Claim Deed, Transfer |
| May 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2021 · Amount on File |
| Deed Sale | Nov 5, 2021 · Amount on File |
| Prior Sale | Mar 27, 2001 · Amount on File |
| Deed Book / Page | 17217 / 280 |
| Last Transfer Date | Jan 6, 2025 |
| Transfer Doc | 0018196-25 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 55 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 018445-100 |
|---|---|
| Date | Nov 21, 2025 |
| Book Page | 18445/100 |
| Instrument | 20562 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jan 17, 2025 |
| Property Address | 55 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Document Number | 0018196-25 |
| Book / Page | 18196 / 25 |
| Instrument Date | Jan 6, 2025 |
| Instrument | 898 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 55 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Document Number | 0001819629 |
|---|---|
| Date | Jan 17, 2025 |
| Instrument | 18196/29 |
| Name | SOFI BANK NA |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Nov 5, 2021 |
| Property Address | 55 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Document Number | 17217-280 |
| Book / Page | 17217 / 280 |
| Instrument Date | Nov 3, 2021 |
| Instrument | 36736 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 55 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 55 LUCERNE DR, ANDOVER, MA 01810-1719 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16287-149 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 16287/149 |
| Instrument | 10167 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
The 2025 property tax bill for 55 Lucerne Dr was $10,315, up 8.9% 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 | $10,315.00 (+8.9%) | $825,900 (+12.31%) Land $468,200 Building $357,700 | $1,163,750 |
| 2024 | $9,472.00 (+4.46%) | $735,400 (+10.79%) Land $420,300 Building $315,100 | |
| 2023 | $9,068.00 | $663,800 Land $378,500 Building $285,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 Lucerne Dr 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 55 Lucerne Dr 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.
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 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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