85 Lancaster Rd, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 85 Lancaster Rd, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,991 sqft · built 1994
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (May 2018)
Tax Bill	$16,597 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M_234865_9`

Property Details

APN / Parcel Number

Primary APN	`M_234865_9`
Alternative APNs	`NAND M:00104 B:D0164 L:00000` `M_234865_935760`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,991 sqft Living Area
Gross Area	7,946 sqft
1st Floor Area	2,287 sqft
Basement Area	2,253 sqft
Unfinished Basement	721 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	82,764 sqft (1.9 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	M_234865_935760
Street Address	85 LANCASTER RD
City	NORTH ANDOVER
State	MA
Zip	01845-2147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	PLAN 36903U
Legal Block	D0164
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	1
Census Block	1010
Census Tract	253205

Owner

85 Lancaster Rd is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	85 LANCASTER RD, NORTH ANDOVER, MA 01845-2147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit HAVERHILL BANK
May 7, 2018	Quit Claim Deed, Transfer HAVERHILL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2018 · Amount on File
Deed Sale	May 7, 2018 · Amount on File
Prior Sale	Apr 20, 1994 · Amount on File
Transfer Doc	0000117842
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	85 LANCASTER RD, NORTH ANDOVER, MA 01845-2147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16671-204
Date	Dec 21, 2020
Book Page	16671/204
Instrument	36801

Lender

Name	HAVERHILL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH ANDOVER MA
Recording Date	May 7, 2018
Property Address	85 LANCASTER RD, NORTH ANDOVER, MA 01845-2147
Book / Page	015471 / 000291
Instrument Date	May 1, 2018
Instrument	117842
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,446.00
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	85 LANCASTER RD NORTH ANDOVER MA 018452147, NORTH ANDOVER, MA 01845-2147

Mortgage

Document Number	15471-291
Date	May 7, 2018
Book Page	015471/000291
Instrument	10407

Lender

Name	HAVERHILL BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

Mortgage

Document Number	117843,
Date	May 7, 2018
Instrument	117843

Lender

Name	HAVERHILL BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 85 Lancaster Rd was $16,597, up 4.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,597.00 (+4.9%)	$1,474,000 (+3.32%) Land $446,400 Building $1,027,600	$1,603,220
2024	$15,821.00 (+6.17%)	$1,426,600 (+17.18%) Land $424,600 Building $1,002,000
2023	$14,901.00	$1,217,400 Land $340,100 Building $877,300

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

Flood

FEMA maps place 85 Lancaster Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (1998–2014)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Mar 2014 · rainfall accumulation

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 85 Lancaster Rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH ANDOVER WATER DEPT serves 30,915 people · EPA ID MA3210000
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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