Essex County and North Andover Town property record for 89 Gray St, North Andover, MA 01845
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,517 sqft · built 1975 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $945,000 (Jul 2025) |
| Tax Bill | $9,732 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M_233509_9 |
| Primary APN | M_233509_9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,517 sqft Living Area |
| Gross Area | 3,796 sqft |
| 1st Floor Area | 1,324 sqft |
| Basement Area | 1,324 sqft |
| Unfinished Basement | 119 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Colonial |
| 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 |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | M_233509_931912 |
|---|---|
| Street Address | 89 GRAY ST |
| City | NORTH ANDOVER |
| State | MA |
| Zip | 01845-6301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | D0030 |
| Jurisdiction | NORTH ANDOVER MA |
| Township / Civil Division | NORTH ANDOVER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 253204 |
89 Gray St is owned and occupied by an individual who bought it in July 2025.
Source: Essex County and North Andover Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| May 4, 2026 | Deed of Trust, Mortgage · Line of Credit TD BANK |
| Oct 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Jun 23, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Jul 18, 2025 | Quit Claim Deed, Transfer |
| Jul 12, 2017 | Deed of Trust, Mortgage · ARM AMERISAVE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2025 · Amount on File |
| Deed Sale | Jul 18, 2025 · Amount on File |
| Prior Sale | Jun 23, 2025 · Amount on File |
| Deed Document Number | 202512051 |
| Deed Book / Page | 18334 / 286 |
| Prior Transfer Date | Jun 14, 2025 |
| Prior Transfer Doc | 018334-286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH ANDOVER MA |
| Recording Date | May 4, 2026 |
| Property Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Document Number | 0018570-26 |
| Book / Page | 18570 / 26 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 20266710 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Document Number | 0000006710, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 18570/26 |
| Instrument | 20266710 |
| Name | TD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH ANDOVER MA |
| Property Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0017173-44 |
|---|---|
| Date | Oct 8, 2021 |
| Book Page | 17173/44 |
| Instrument | 33572 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH ANDOVER MA |
| Recording Date | Jun 23, 2025 |
| Property Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Document Number | 018311-307 |
| Book / Page | 18311 / 307 |
| Instrument Date | Jun 23, 2025 |
| Instrument | 10177 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| 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 |
|---|---|
| Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Document Number | 0000010178 |
|---|---|
| Date | Jun 23, 2025 |
| Instrument | 10178 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH ANDOVER MA |
| Recording Date | Jul 18, 2025 |
| Property Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Document Number | 018334-286 |
| Book / Page | 18334 / 286 |
| Instrument Date | Jun 14, 2025 |
| Instrument | 12051 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH ANDOVER MA |
| Property Address | 89 GRAY ST, NORTH ANDOVER, MA 01845-6301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15147-325 |
|---|---|
| Date | Jul 12, 2017 |
| Book Page | 15147/325 |
| Instrument | 17490 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
The 2025 property tax bill for 89 Gray St was $9,732, up 5% from the year before.
Source: Essex County and North Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | North Andover Town |
| Unified School District | North Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,732.00 (+5.04%) | $864,300 (+3.46%) Land $413,800 Building $450,500 | $890,530 |
| 2024 | $9,265.00 (+4.32%) | $835,400 (+15.13%) Land $392,000 Building $443,400 | |
| 2023 | $8,881.00 | $725,600 Land $331,100 Building $394,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 Gray St 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 | 7 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 89 Gray St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 98.2% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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