93 Lowell St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 93 Lowell St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,618 sqft · built 1957
Lot Size	0.353 acres (15,390 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Aug 2021)
Tax Bill	$9,901 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00070 B:00030 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00070 B:00030 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,618 sqft Living Area
Gross Area	5,954 sqft
Basement Area	2,128 sqft
Unfinished Basement	1,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,390 sqft (0.353 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	93 LOWELL ST
City	ANDOVER
State	MA
Zip	01810-2972
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	ANDOVER
Legal Block	30
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3011
Census Tract	254100

Owner

93 Lowell St is owned and occupied by two individuals who bought it in August 2021.

Source: Essex County and Andover Town records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	93 LOWELL ST, ANDOVER, MA 01810-2972
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 28, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Aug 17, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORGAN STANLEY CREDIT CORP
Oct 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST PRIORITY CREDIT UNION
Sep 25, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2021 · Amount on File
Deed Sale	Aug 17, 2021 · Amount on File
Prior Sale	May 1, 2015
Deed Document Number	202127512
Deed Book / Page	17085 / 233
Prior Transfer Date	Jul 28, 2020
Prior Transfer Doc	16513-230
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Recording Date	Jul 28, 2026
Property Address	93 LOWELL ST, ANDOVER, MA 01810-2972
Document Number	0000012710
Book / Page	18647 / 317
Instrument Date	Jun 5, 2026
Instrument	202612710
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 LOWELL ST, ANDOVER, MA 01810-2972

Mortgage

Document Number	0000012710,
Date	Jul 28, 2026
Book Page	18647/317
Instrument	202612710

Lender

Name	EASTERN BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 17, 2021
Property Address	93 LOWELL ST, ANDOVER, MA 01810-2972
Document Number	17085-233
Book / Page	17085 / 233
Instrument Date	Aug 16, 2021
Instrument	27512
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	93 LOWELL ST, ANDOVER, MA 01810-2972

Mortgage

Document Number	27513
Date	Aug 17, 2021
Instrument	27513

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	93 LOWELL ST, ANDOVER, MA 01810-2972
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16543-283
Date	Oct 13, 2020
Book Page	16543/283
Instrument	27938

Lender

Name	FIRST PRIORITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Sep 25, 2020
Property Address	93 LOWELL ST, ANDOVER, MA 01810-2972
Document Number	16513-230
Book / Page	016513 / 000230
Instrument Date	Jul 28, 2020
Instrument	25888
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	LOWELL ST ANDOVER MA 01810, ANDOVER, MA 01810

Tax Assessment & Valuation

The 2025 property tax bill for 93 Lowell St was $9,901, up 2.9% 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	$9,901.00 (+2.91%)	$792,700 (+6.12%) Land $368,600 Building $424,100	$874,380
2024	$9,621.00 (+8.11%)	$747,000 (+14.66%) Land $364,400 Building $382,600
2023	$8,899.00	$651,500 Land $337,400 Building $314,100

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

Flood

FEMA maps place 93 Lowell St in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 12 individual policies
Nearby Flood Policies	72 units insured incl. 60 condo units
Nearby Flood Claims	43 (1979–2010)
Claims Outside the SFHA	5 of 43
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 12 claims Severe Storms And Flooding, May 2006 · 9 claims Extreme Weather Conditons And Flooding, Oct 1996 · 4 claims

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 93 Lowell St 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 99.1% of the US · lower than 98.7% 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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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