Essex County and Andover Town property record for 7 Gavin Cir, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,212 sqft · built 1981 |
| Lot Size | 0.696 acres (30,305 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,265,000 (May 2023) |
| Tax Bill | $13,510 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00218 B:00021 L:00000 |
| Primary APN | ANDO M:00218 B:00021 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,212 sqft Living Area |
| Gross Area | 7,006 sqft |
| Basement Area | 1,864 sqft |
| Unfinished Basement | 1,864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,305 sqft (0.696 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 7 GAVIN CIR |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | DEFINITIVE PLAN GAVIN CIRCLE A |
| Legal Block | 21 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 254402 |
7 Gavin Cir is owned and occupied by two individuals who bought it in May 2023.
Source: Essex County and Andover Town records, as of August 26, 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 File |
|---|---|
| Mailing Address | 7 GAVIN CIR, ANDOVER, MA 01810-4262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2026 | Deed of Trust, Mortgage · ARM UNITED NATIONS FEDERAL CREDIT UNION |
| May 8, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage USA ALLIANCE FEDERAL CREDIT UNION |
| Jan 28, 2019 | Deed of Trust, Mortgage · Line of Credit ENTERPRISE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2023 · Amount on File |
| Deed Sale | May 8, 2023 · Amount on File |
| Prior Sale | Mar 29, 1996 · Amount on File |
| Deed Document Number | 20236886 |
| Deed Book / Page | 17735 / 19 |
| Transfer Doc | 1179000217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Aug 7, 2026 |
| Property Address | 7 GAVIN CIR, ANDOVER, MA 01810-4262 |
| Document Number | 0000013495 |
| Book / Page | 18658 / 32 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 202613495 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7 GAVIN CIR, ANDOVER, MA 01810-4262 |
| Document Number | 0000013495, |
|---|---|
| Date | Aug 7, 2026 |
| Book Page | 18658/32 |
| Instrument | 202613495 |
| Name | UNITED NATIONS FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Initial Type | Adjustable Rate |
| Type Change Date | Sep 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | May 8, 2023 |
| Property Address | 7 GAVIN CIR, ANDOVER, MA 01810-4262 |
| Document Number | 0017735-19 |
| Book / Page | 17735 / 19 |
| Instrument Date | May 8, 2023 |
| Instrument | 6886 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7 GAVIN CIR, ANDOVER, MA 01810-4262 |
| Document Number | 0000006887 |
|---|---|
| Date | May 8, 2023 |
| Instrument | 6887 |
| Name | USA ALLIANCE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Jun 1, 2028 |
| Max Rate At Change | 3% |
| Index | Other |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 7 GAVIN CIR, ANDOVER, MA 01810-4262 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 015744-188 |
|---|---|
| Date | Jan 28, 2019 |
| Book Page | 15744/188 |
| Instrument | 1937 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 7 Gavin Cir was $13,510, up 10.7% 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 | $13,510.00 (+10.68%) | $1,081,700 (+14.14%) Land $514,600 Building $567,100 | $1,320,500 |
| 2024 | $12,206.00 (+6.77%) | $947,700 (+13.24%) Land $431,500 Building $516,200 | |
| 2023 | $11,432.00 | $836,900 Land $368,900 Building $468,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Gavin Cir 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 Policies | 3 in force |
| 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 7 Gavin Cir 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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 72 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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