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Single Family ResidenceResidential
$822,922$323 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

538 WINTER ST

NORTH ANDOVER, MA 01845
4
Beds
2.5
Baths
2,549 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.06 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$823K
$787K low$859K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$507,922
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$406,338
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.40%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$215,000
WELLS FARGO MORTGAGE · recorded Jun 28, 2002
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$100,000
WELLS FARGO MORTGAGE

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,814 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$782,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$414,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$368,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$764,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$695,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.1.06
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
North Andover High SchoolA
High · Grades 9–12 · 2.8 mi
E
KittredgeB
Elementary · Grades 1–5 · 2.9 mi
M
North Andover Middle SchoolB
Middle · Grades 6–8 · 3.0 mi

District: North Andover School District

Neighborhood · ZIP 01845These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.95

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.33,053
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,181 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$137,878
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$165,511
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

538 Winter St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 66% of homes in Essex County
  • Costs less per square foot than 83% of homes in Essex County
  • Bigger than 75% of homes in Essex County
  • Has a bigger lot than 86% of homes in Essex County
  • Newer than 70% of homes in Essex County

What homes are worth in North Andover 01845

Each bar is how many homes fall in that price range. The marker is this home.

This home
$289K$1.6M

This home is worth more than 50% of homes in North Andover 01845.

How it measures up in North Andover 01845

The dot is this home. The mark in the middle is the typical home in North Andover 01845.

Estimated value$822,922
CheaperTypical $820,880Pricier

Pricier than 50% of homes nearby

Price per ft²$323
CheaperTypical $376Pricier

Pricier than 21% of homes nearby

Living area2,549 ft²
SmallerTypical 2,234 ft²Bigger

Bigger than 62% of homes nearby

Lot size1.06 ac
SmallerTypical 1 acBigger

Bigger than 65% of homes nearby

Year built1978
OlderTypical 1977Newer

Newer than 52% of homes nearby

How 538 Winter St ranks against every home in each area.
MeasureThis homeNorth Andover 01845Essex County
Estimated valuepricier than$822,92250% of homes66% of homes
Price per ft²pricier than$32321% of homes17% of homes
Living areabigger than2,549 ft²62% of homes75% of homes
Lot sizebigger than1.06 ac65% of homes86% of homes
Year builtnewer than197852% of homes70% of homes

About 538 Winter St

How much is 538 Winter St, North Andover, MA worth?

The TopHap Estimate for 538 Winter St, North Andover, MA is $822,922 as of Jul 14, 2026. The likely range is $786,844 to $859,000. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 538 Winter St, North Andover, MA last sell?

538 Winter St, North Andover, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 538 Winter St, North Andover, MA?

538 Winter St, North Andover, MA has 4 bedrooms, 2.5 bathrooms, 2,549 square feet of living space and a 1.06-acre lot.

When was 538 Winter St, North Andover, MA built?

538 Winter St, North Andover, MA was built in 1978, making it 48 years old. It is a raised ranch home. The building has 1 story.

What schools serve 538 Winter St, North Andover, MA?

538 Winter St, North Andover, MA is assigned to North Andover High School (high), rated A; Kittredge (elementary), rated B; North Andover Middle School (middle), rated B. All sit in North Andover School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 538 Winter St, North Andover, MA compare to other homes in North Andover 01845?

Among the 9,079 homes in North Andover 01845, it is worth more than 50% of them ($822,922 against a typical $820,880), its price per square foot is higher than 21% of them ($323 against a typical $376), it is bigger than 62% of them (2,549 ft² against a typical 2,234 ft²), its lot is bigger than 65% of them (1.06 ac against a typical 1 ac) and it is newer than 52% of them (1978 against a typical 1977). Measured against all of Essex County, it is worth more than 66% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 538 Winter St, North Andover, MA?

The 2025 property tax bill for 538 Winter St, North Andover, MA was $8,814. The county assessed it at $782,800.

Closest homes

More homes in North Andover 01845

Assigned schools

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