100 Central St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 100 Central St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,089 sqft · built 2022
Lot Size	0.427 acres (18,591 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,625,000 (Apr 2023)
Tax Bill	$20,041 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Aug 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00075 B:00018 L:0000A`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00075 B:00018 L:0000A`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,089 sqft Living Area
Gross Area	5,728 sqft
Basement Area	1,816 sqft
Unfinished Basement	1,179 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,591 sqft (0.427 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	100 CENTRAL ST
City	ANDOVER
State	MA
Zip	01810-3915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	18
Legal Lot Number	A
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1011
Census Tract	254301

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	100 CENTRAL ST, ANDOVER, MA 01810-3915
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP.
Aug 1, 2022	Quit Claim Deed, Construction Loan · Construction Mortgage SALEM FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2023 · Amount on Record
Deed Sale	Apr 12, 2023 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Book / Page	17715 / 220
Record Updated	Sep 20, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 12, 2023
Property Address	100 CENTRAL ST, ANDOVER, MA 01810-3915
Document Number	017715-220
Book / Page	17715 / 220
Instrument Date	Apr 12, 2023
Instrument	5295
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount Recorded
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	100 CENTRAL ST, ANDOVER, MA 01810-3915

Mortgage

Document Number	0000005296
Date	Apr 12, 2023
Instrument	5296

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	May 1, 2030
Max Rate At Change	2.75%
Index	Other

August 2022: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 1, 2022
Property Address	100 CENTRAL ST, ANDOVER, MA 01810-3915
Document Number	0017527-31
Book / Page	17527 / 31
Instrument Date	Aug 1, 2022
Instrument	18369
Transaction Type	Construction Loan
Record Updated	May 14, 2024

Transaction

Amount	Amount Recorded
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
Address	14 LORRAINE AVE, NORTH ANDOVER, MA 01845-5232

Mortgage

Document Number	0000018370
Date	Aug 1, 2022
Instrument	18370

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$20,041.00 (+6.5%)	$1,604,600 (+9.83%) Land $531,100 Building $1,073,500	$1,934,200
2024	$18,818.00 (+214.31%)	$1,461,000 (+233.33%) Land $486,600 Building $974,400
2023	$5,987.00	$438,300 Land $438,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1987–2010)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 153 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

Cell Coverage

5G and 4G LTE (outdoors only)

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