101 Elm St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 101 Elm St, Andover, MA 01810

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 3,078 sqft · built 1928
Lot Size	0.133 acres (5,815 sqft)
Owner	Individual Name on File
Last Sale	$675,000 (Aug 2020)
Tax Bill	$12,139 (2025)
Deeds & Mortgages	Aug 2021 Refinance Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00021 B:00082 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00021 B:00082 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,078 sqft Living Area
Gross Area	5,724 sqft
Basement Area	1,368 sqft
Unfinished Basement	1,368 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,815 sqft (0.133 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	101 ELM ST
City	ANDOVER
State	MA
Zip	01810-3608
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SRA
Legal Block	82
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3001
Census Tract	254200

Owner

101 Elm St, a duplex, is owned by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	67 RESERVATION RD, ANDOVER, MA 01810-3418
Owner Type	Individual

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
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 4, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EVERETT COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on File
Deed Sale	Aug 4, 2020 · Amount on File
Prior Sale	Aug 26, 1988 · Amount on File
Deed Book / Page	16429 / 267
Prior Transfer Date	Jul 27, 2020
Prior Transfer Doc	16429-267
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	101 ELM ST, ANDOVER, MA 01810-3608
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17094-65
Date	Aug 23, 2021
Book Page	17094/65
Instrument	28153

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 4, 2020
Property Address	101 ELM ST, ANDOVER, MA 01810-3608
Document Number	16429-267
Book / Page	16429 / 267
Instrument Date	Jul 27, 2020
Instrument	20002
Transaction Type	Transfer
Record Updated	May 12, 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
Address	101 ELM ST, ANDOVER, MA 01810-3608

Mortgage

Document Number	20003
Date	Aug 4, 2020
Instrument	20003

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Sep 1, 2027
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 101 Elm St was $12,139, down 2.6% 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	$12,139.00 (-2.63%)	$971,900 (+0.41%) Land $451,300 Building $520,600	$853,110
2024	$12,467.00 (+12.8%)	$967,900 (+19.63%) Land $441,000 Building $526,900
2023	$11,052.00	$809,100 Land $408,400 Building $400,700

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

Flood

FEMA maps place 101 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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	1 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2019 · rainfall accumulation

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 101 Elm 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 495 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 / 2,000

May also be available: AT&T, T-Mobile.

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