89 Duncan Dr, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 89 Duncan Dr, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,821 sqft · built 1982
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$384,500 (Dec 1999)
Tax Bill	$9,297 (2025)
Deeds & Mortgages	Apr 2021 Refinance Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M_236880_9`

Property Details

APN / Parcel Number

Primary APN	`M_236880_9`
Alternative APNs	`NAND M:00104 B:B0188 L:00000` `M_236880_935564`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,821 sqft Living Area
Gross Area	3,857 sqft
1st Floor Area	1,381 sqft
Basement Area	1,261 sqft
Unfinished Basement	820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M_236880_935564
Street Address	89 DUNCAN DR
City	NORTH ANDOVER
State	MA
Zip	01845-2232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	B0188
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	1
Census Block	1024
Census Tract	253205

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	89 DUNCAN DR, NORTH ANDOVER, MA 01845-2232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Apr 13, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 1999 · Amount on Record
Deed Sale	Dec 2, 1999 · Amount on Record
Deed Book / Page	5623 / 194
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	89 DUNCAN DR, NORTH ANDOVER, MA 01845-2232
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16885-26
Date	Apr 20, 2021
Book Page	16885/26
Instrument	12955

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	May 1, 2035

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	89 DUNCAN DR, NORTH ANDOVER, MA 01845-2232
Document Number	15823-274
Instrument Date	Apr 13, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 DUNCAN DR NORTH ANDOVER MA 018452232, NORTH ANDOVER, MA 01845-2232

Mortgage

Document Number	15823-274
Date	Apr 25, 2019
Book Page	015823/000274
Instrument	8703

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$9,297.00 (+3.69%)	$825,700 (+2.13%) Land $413,800 Building $411,900	$987,810
2024	$8,966.00 (+5.1%)	$808,500 (+16%) Land $392,000 Building $416,500
2023	$8,531.00	$697,000 Land $331,100 Building $365,900

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 A, within 500 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

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 56 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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