577 Foster St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 577 Foster St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,218 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$373,000 (Sep 2011)
Tax Bill	$8,334 (2026)
Deeds & Mortgages	Aug 2026 Second Mortgage Feb 2021 Refinance
Flood Zone	Zone AE (high risk)
APN	`M_236596_9`

Property Details

APN / Parcel Number

Primary APN	`M_236596_9`
Alternative APNs	`NAND M:00104 B:B0154 L:00000` `M_236596_936362`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,218 sqft Living Area
Gross Area	4,448 sqft
1st Floor Area	942 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M_236596_936362
Street Address	577 FOSTER ST
City	NORTH ANDOVER
State	MA
Zip	01845-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	NORTH ANDOVER
Legal Block	B0154
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	1
Census Block	1021
Census Tract	253205

Owner

577 Foster St is owned and occupied by two individuals who bought it in September 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	577 FOSTER ST, NORTH ANDOVER, MA 01845-1401
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 11, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIGITAL FEDERAL CREDIT UNION
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2011 · Amount on File
Deed Sale	Sep 27, 2011 · Amount on File
Deed Document Number	20112
Deed Book / Page	12629 / 3
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Recording Date	Aug 11, 2026
Property Address	577 FOSTER ST, NORTH ANDOVER, MA 01845-1401
Document Number	0000013714
Book / Page	18660 / 304
Instrument Date	Aug 5, 2026
Instrument	202613714
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	577 FOSTER ST, NORTH ANDOVER, MA 01845-1401

Mortgage

Document Number	0000013714,
Date	Aug 11, 2026
Book Page	18660/304
Instrument	202613714

Lender

Name	DIGITAL FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	577 FOSTER ST, NORTH ANDOVER, MA 01845-1401
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16750-19
Date	Feb 3, 2021
Book Page	16750/19
Instrument	3875

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 577 Foster St was $8,334, up 4.3% 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
2026	$8,334.00 (+4.32%)	$741,500 (+4.51%) Land $370,300 Building $371,200	$879,485 (+7.85%)
2025	$7,989.00 (+2.65%)	$709,500 (+1.1%) Land $370,300 Building $339,200	$815,480
2024	$7,783.00 (+0.83%)	$701,800 (+11.29%) Land $348,500 Building $353,300
2023	$7,719.00	$630,600 Land $320,200 Building $310,400

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

Flood

FEMA maps place 577 Foster St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 577 Foster 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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