Essex County and Andover Town property record for 103 Chestnut St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,371 sqft · built 1914 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Mar 2007) |
| Tax Bill | $13,207 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00022 B:00133 L:00000 |
| Primary APN | ANDO M:00022 B:00133 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,371 sqft Living Area |
| Gross Area | 6,720 sqft |
| Basement Area | 1,875 sqft |
| Unfinished Basement | 1,687 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1914 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,979 sqft (0.275 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 103 CHESTNUT ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 133 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 254200 |
103 Chestnut St is owned and occupied by two individuals who acquired it in February 2021.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 CHESTNUT ST, ANDOVER, MA 01810-3638 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Apr 28, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2007 · Amount on File |
| Deed Sale | Mar 30, 2007 · Amount on File |
| Prior Sale | May 25, 2001 · Amount on File |
| Deed Document Number | 2007105658 |
| Deed Book / Page | 10691 / 98 |
| Last Transfer Date | Feb 23, 2021 |
| Transfer Doc | 16900-230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 103 CHESTNUT ST, ANDOVER, MA 01810-3638 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 016900-232 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 16900/232 |
| Instrument | 14100 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Apr 28, 2021 |
| Property Address | 103 CHESTNUT ST, ANDOVER, MA 01810-3638 |
| Document Number | 16900-230 |
| Book / Page | 16900 / 230 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 14099 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 103 CHESTNUT ST, ANDOVER, MA 01810-3638 |
| Document Number | 16900-232 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 16900/232 |
| Instrument | 14100 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
The 2025 property tax bill for 103 Chestnut St was $13,207, up 7.4% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,207.00 (+7.43%) | $1,057,400 (+10.78%) Land $528,300 Building $529,100 | $1,045,095 |
| 2024 | $12,294.00 (+4.83%) | $954,500 (+11.18%) Land $484,000 Building $470,500 | |
| 2023 | $11,727.00 | $858,500 Land $436,000 Building $422,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Chestnut St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 A, within 100 ft |
| 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 risk around 103 Chestnut St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
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