9 Carter Ln, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 9 Carter Ln, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 6,867 sqft · built 1990
Lot Size	1.12 acres (48,874 sqft)
Owner	Individual Name on File
Last Sale	$860,000 (Sep 2015)
Tax Bill	$18,182 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00121 B:00001 L:0000K`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00121 B:00001 L:0000K`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	6,867 sqft Living Area
Gross Area	9,711 sqft
Basement Area	4,040 sqft
Unfinished Basement	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,874 sqft (1.12 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9 CARTER LN
City	ANDOVER
State	MA
Zip	01810-6072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	1
Legal Lot Number	K
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2013
Census Tract	254301

Owner

9 Carter Ln is owned and occupied by an individual who bought it in September 2015.

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

Owner of Record	Individual Name on File
Mailing Address	9 CARTER LN, ANDOVER, MA 01810-6072
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
Jan 20, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Oct 25, 2017	Deed of Trust, Mortgage · Line of Credit NORTHERN BK & TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2015 · Amount on File
Deed Sale	Sep 2, 2015 · Amount on File
Prior Sale	Oct 4, 1990 · Amount on File
Deed Book / Page	14364 / 206
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	9 CARTER LN, ANDOVER, MA 01810-6072
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018493-96
Date	Jan 20, 2026
Book Page	18493/96
Instrument	914

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	9 CARTER LN, ANDOVER, MA 01810-6072
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016778-210
Date	Feb 19, 2021
Book Page	16778/210
Instrument	5831

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	9 CARTER LN, ANDOVER, MA 01810-6072
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15271-36
Date	Oct 25, 2017
Book Page	15271/36
Instrument	27829

Lender

Name	NORTHERN BK & TR

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 9 Carter Ln was $18,182, up 6.5% 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	$18,182.00 (+6.51%)	$1,455,700 (+9.83%) Land $568,200 Building $887,500	$1,756,075
2024	$17,071.00 (+13.15%)	$1,325,400 (+2%) Land $476,600 Building $848,800
2023	$15,087.00	$1,104,500 Land $407,800 Building $696,700

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

Flood

FEMA maps place 9 Carter Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1987.

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	3 (1987–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · Severe Storms 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

Wildfire risk around 9 Carter Ln 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 95% of the US · lower than 90% 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 123 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 / 2,000
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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