6 Carter Ln, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 6 Carter Ln, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 6,080 sqft · built 1992
Lot Size	0.817 acres (35,584 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,082,500 (Jul 2018)
Tax Bill	$17,128 (2025)
Deeds & Mortgages	Aug 2019 Refinance Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00121 B:00001 L:0000C`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00121 B:00001 L:0000C`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	6,080 sqft Living Area
Gross Area	8,003 sqft
Basement Area	2,854 sqft
Unfinished Basement	1,125 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,584 sqft (0.817 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	6 CARTER LN
City	ANDOVER
State	MA
Zip	01810-6071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	1
Legal Lot Number	C
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2013
Census Tract	254301

Owner

Source: Essex County and Andover Town records, as of July 20, 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 Record
Mailing Address	6 CARTER LN, ANDOVER, MA 01810-6071
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Jan 7, 2019	Deed of Trust, Mortgage · ARM LEADER BANK NA
Jan 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Jul 12, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2018 · Amount on Record
Deed Sale	Jul 12, 2018 · Amount on Record
Prior Sale	Oct 19, 2001 · Amount on Record
Deed Book / Page	15546 / 210
Transfer Doc	15546-210
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	6 CARTER LN, ANDOVER, MA 01810-6071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15960-241
Date	Aug 16, 2019
Book Page	15960/241
Instrument	19583

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	6 CARTER LN, ANDOVER, MA 01810-6071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15726-142
Date	Jan 7, 2019
Book Page	15726/142
Instrument	264

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	6 CARTER LN, ANDOVER, MA 01810-6071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16710-13
Date	Jan 13, 2021
Book Page	16710/13
Instrument	1239

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 12, 2018
Property Address	6 CARTER LN, ANDOVER, MA 01810-6071
Document Number	15546-210
Book / Page	015546 / 000210
Instrument Date	Jul 10, 2018
Instrument	16470
Transaction Type	Transfer
Record Updated	Jul 31, 2018

Transaction

Amount	Amount Recorded
Tax	$4,936.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	660 WASHINGTON ST #22C BOSTON MA 021113242, 22C, BOSTON, MA 02111-3242

Tax Assessment & Valuation

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Andover Town
Unified School District	Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,128.00 (+9.75%)	$1,371,300 (+13.17%) Land $508,400 Building $862,900	$1,652,620
2024	$15,607.00 (+5.79%)	$1,211,700 (+12.19%) Land $426,300 Building $785,400
2023	$14,753.00	$1,080,000 Land $364,500 Building $715,500

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1987–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · Severe Storms 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

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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 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 / 2,000
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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