Essex County and Andover Town property record for 6 Cardinal Ln, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,508 sqft · built 1972 |
| Lot Size | 0.69 acres (30,048 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $558,000 (Jul 2013) |
| Tax Bill | $12,973 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Oct 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00180 B:00017 L:00000 |
| Primary APN | ANDO M:00180 B:00017 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,508 sqft Living Area |
| Gross Area | 5,348 sqft |
| Basement Area | 1,828 sqft |
| Unfinished Basement | 1,136 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,048 sqft (0.69 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 6 CARDINAL LN |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-5802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 17 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 254403 |
6 Cardinal Ln is owned and occupied by two individuals who bought it in July 2013.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6 CARDINAL LN, ANDOVER, MA 01810-5802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Mar 28, 2022 | Deed of Trust, Mortgage · Line of Credit DIRECT CU |
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jun 27, 2018 | Deed of Trust, Mortgage INST SVGS NEWBURYPORT |
| Jun 27, 2018 | Deed of Trust, Mortgage · Line of Credit INST SVGS NEWBURYPORT |
| May 26, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2013 · Amount on File |
| Deed Sale | Jul 26, 2013 · Amount on File |
| Deed Book / Page | 13571 / 324 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 6 CARDINAL LN, ANDOVER, MA 01810-5802 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0017391-40 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 17391/40 |
| Instrument | 7405 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 6 CARDINAL LN, ANDOVER, MA 01810-5802 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 017177-199 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 17177/199 |
| Instrument | 33884 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 157 Months |
| Due | Nov 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 6 CARDINAL LN, ANDOVER, MA 01810-5802 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 17177-199 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 17177/199 |
| Instrument | 33884 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 157 Months |
| Due | Nov 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 6 CARDINAL LN, ANDOVER, MA 01810-5802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15528-326 |
|---|---|
| Date | Jun 27, 2018 |
| Book Page | 15528/326 |
| Instrument | 15024 |
| Name | INST SVGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jun 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 6 CARDINAL LN, ANDOVER, MA 01810-5802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15528-342 |
|---|---|
| Date | Jun 27, 2018 |
| Book Page | 15528/342 |
| Instrument | 15025 |
| Name | INST SVGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 6 CARDINAL LN, ANDOVER, MA 01810-5802 |
| Document Number | 15169-138 |
| Book / Page | 015169 / 000138 |
| Instrument Date | May 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2017 |
| Name | Verified Name |
|---|
| Document Number | 15169-138 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 015169/000138 |
| Instrument | 19380 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 6 Cardinal Ln was $12,973, up 9.6% 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 | $12,973.00 (+9.64%) | $1,038,700 (+13.07%) Land $513,600 Building $525,100 | $1,002,535 |
| 2024 | $11,832.00 (+6.17%) | $918,600 (+12.6%) Land $430,600 Building $488,000 | |
| 2023 | $11,144.00 | $815,800 Land $368,200 Building $447,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6 Cardinal Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Claims | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 1996 · Extreme Weather Conditons And Flooding |
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 6 Cardinal Ln 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 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 34 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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