95 Winter St, North Andover, MA 01845 Property Records

Essex County and North Andover Town property record for 95 Winter St, North Andover, MA 01845

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 7,757 sqft · built 2006
Lot Size	12.2 acres (534,917 sqft)
Owner	2 Individual Names on File
Last Sale	$1,830,000 (Apr 2026)
Tax Bill	$21,036 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`M_234339_9`

Property Details

APN / Parcel Number

Primary APN	`M_234339_9`
Alternative APNs	`NAND M:00103 B:00120 L:00000` `M_234339_938408`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	7,757 sqft Living Area
Gross Area	14,171 sqft
1st Floor Area	2,498 sqft
Basement Area	3,362 sqft
Unfinished Basement	3,362 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	534,917 sqft (12.2 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	M_234339_938408
Street Address	95 WINTER ST
City	NORTH ANDOVER
State	MA
Zip	01845-1303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	NORTH ANDOVER
Legal Block	120
Jurisdiction	NORTH ANDOVER MA
Township / Civil Division	NORTH ANDOVER
Census Block Group	1
Census Block	1003
Census Tract	253203

Owner

95 Winter St is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	95 WINTER ST, NORTH ANDOVER, MA 01845-1303
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 12, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 16, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TRUST BANK
Aug 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on File
Deed Sale	Apr 16, 2026 · Amount on File
Prior Sale	Dec 30, 2013 · Amount on File
Deed Document Number	20265721
Deed Book / Page	18557 / 104
Prior Transfer Date	Mar 31, 2026
Prior Transfer Doc	018557-104
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	95 WINTER ST, NORTH ANDOVER, MA 01845-1303
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00017025-1
Date	Jul 12, 2021
Book Page	17025/1
Instrument	23033

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH ANDOVER MA
Recording Date	Apr 16, 2026
Property Address	95 WINTER ST, NORTH ANDOVER, MA 01845-1303
Document Number	018557-104
Book / Page	18557 / 104
Instrument Date	Mar 31, 2026
Instrument	2026.5721
Transaction Type	Transfer
Record Updated	May 7, 2026

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	95 WINTER ST, NORTH ANDOVER, MA 01845-1303

Mortgage

Date	Apr 16, 2026

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH ANDOVER MA
Property Address	95 WINTER ST, NORTH ANDOVER, MA 01845-1303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16471-67
Date	Aug 31, 2020
Book Page	16471/67
Instrument	22906

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 95 Winter St was $21,036, up 4.8% 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	$21,036.00 (+4.76%)	$1,868,200 (+3.18%) Land $549,200 Building $1,319,000	$1,578,710
2024	$20,080.00 (+4.16%)	$1,810,600 (+14.96%) Land $527,400 Building $1,283,200
2023	$19,278.00	$1,575,000 Land $443,900 Building $1,131,100

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

Flood

FEMA maps place 95 Winter St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 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

Wildfire risk around 95 Winter 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Winter St

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