10 Cobblestone Ln, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 10 Cobblestone Ln, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,016 sqft · built 1992
Lot Size	1.43 acres (62,421 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,800,000 (Jul 2024)
Tax Bill	$18,182 (2025)
Deeds & Mortgages	Jan 2017 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00214 B:00002 L:0000E`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00214 B:00002 L:0000E`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,016 sqft Living Area
Gross Area	9,951 sqft
Basement Area	2,577 sqft
Unfinished Basement	2,577 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	62,421 sqft (1.43 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	10 COBBLESTONE LN
City	ANDOVER
State	MA
Zip	01810-6308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	COBBLESTONE LANE ANDOVER
Legal Block	2
Legal Lot Number	E
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2000
Census Tract	254402

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 COBBLESTONE LN, ANDOVER, MA 01810-6308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2017	Deed of Trust, Mortgage SANTANDER BK NA
May 31, 2018	Deed of Trust, Mortgage FIRSTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Prior Sale	Dec 30, 2013 · Amount on Record
Deed Book / Page	18055 / 117
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	10 COBBLESTONE LN, ANDOVER, MA 01810-6308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14975-126
Date	Jan 31, 2017
Book Page	14975/126
Instrument	3018

Lender

Name	SANTANDER BK NA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	10 COBBLESTONE LN, ANDOVER, MA 01810-6308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15495-105
Date	May 31, 2018
Book Page	15495/105
Instrument	12364

Lender

Name	FIRSTRUST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 1, 2038

Tax Assessment & Valuation

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 (+1.97%)	$1,455,700 (+5.15%) Land $544,700 Building $911,000	$1,672,855
2024	$17,831.00 (+6.09%)	$1,384,400 (+12.52%) Land $511,300 Building $873,100
2023	$16,807.00	$1,230,400 Land $438,000 Building $792,400

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

Flood

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	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1996 · Extreme Weather Conditons 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% 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	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 135 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 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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