Essex County and Andover Town property record for 64 Lucerne Dr, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,664 sqft · built 1956 |
| Lot Size | 0.393 acres (17,119 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Aug 2010) |
| Tax Bill | $10,423 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00021 B:00174 L:00000 |
| Primary APN | ANDO M:00021 B:00174 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,664 sqft Living Area |
| Gross Area | 5,409 sqft |
| Basement Area | 1,342 sqft |
| Unfinished Basement | 671 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,119 sqft (0.393 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 64 LUCERNE DR |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Subdivision | PINE ACRES SEC 04 |
| Legal Block | 174 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 254200 |
64 Lucerne Dr is owned and occupied by two individuals who bought it in August 2010.
Source: Essex County and Andover Town records, as of July 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 64 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
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 |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit DIGITAL FEDERAL CREDIT UNION |
| Sep 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2010 · Amount on File |
| Deed Sale | Aug 13, 2010 · Amount on File |
| Deed Document Number | 201020748 |
| Deed Book / Page | 12143 / 310 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jul 7, 2026 |
| Property Address | 64 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Document Number | 0000011247 |
| Book / Page | 18629 / 24 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202611247 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 64 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Document Number | 0000011247, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 18629/24 |
| Instrument | 202611247 |
| Name | DIGITAL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Aug 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 64 LUCERNE DR, ANDOVER, MA 01810-1736 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16491-108 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 16491/108 |
| Instrument | 24388 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 64 Lucerne Dr was $10,423, up 4.8% 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 | $10,423.00 (+4.76%) | $834,500 (+8.04%) Land $463,200 Building $371,300 | $1,296,655 |
| 2024 | $9,949.00 (+4.63%) | $772,400 (+10.96%) Land $415,800 Building $356,600 | |
| 2023 | $9,509.00 | $696,100 Land $374,500 Building $321,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 64 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 64 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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