69 Carmel Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 69 Carmel Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,006 sqft · built 1941
Lot Size	0.251 acres (10,938 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Mar 2020)
Tax Bill	$10,876 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00020 B:00077 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00020 B:00077 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,006 sqft Living Area
Gross Area	4,128 sqft
Basement Area	1,137 sqft
Unfinished Basement	969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,938 sqft (0.251 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	69 CARMEL RD
City	ANDOVER
State	MA
Zip	01810-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	77
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254100

Owner

69 Carmel Rd is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	69 CARMEL RD, ANDOVER, MA 01810-3119
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
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Mar 18, 2020	Deed of Trust, Mortgage · Balloon Mortgage ENTERPRISE BANK & TRUST CO
Mar 27, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2020 · Amount on File
Deed Sale	Mar 27, 2020 · Amount on File
Prior Sale	Jan 16, 1985 · Amount on File
Deed Book / Page	16243 / 306
Prior Transfer Date	Mar 24, 2020
Prior Transfer Doc	16243-306
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	69 CARMEL RD, ANDOVER, MA 01810-3119
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017778-154
Date	Jul 6, 2023
Book Page	17778/154
Instrument	10577

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	69 CARMEL RD, ANDOVER, MA 01810-3119
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16230-344
Date	Mar 18, 2020
Book Page	16230/344
Instrument	6684

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 27, 2020
Property Address	69 CARMEL RD, ANDOVER, MA 01810-3119
Document Number	16243-306
Book / Page	16243 / 306
Instrument Date	Mar 24, 2020
Instrument	7564
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 CARMEL RD, ANDOVER, MA 01810-3119

Mortgage

Document Number	7565
Date	Mar 27, 2020
Instrument	7565

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 69 Carmel Rd was $10,876, up 6.6% from the year before.

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	$10,876.00 (+6.59%)	$870,800 (+9.92%) Land $523,500 Building $347,300	$763,230
2024	$10,204.00 (+4.72%)	$792,200 (+11.06%) Land $479,600 Building $312,600
2023	$9,744.00	$713,300 Land $432,000 Building $281,300

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

Flood

FEMA maps place 69 Carmel Rd 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	4 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

Wildfire risk around 69 Carmel Rd 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 99.1% of the US · lower than 98.7% 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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