108 Cross St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 108 Cross St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,281 sqft · built 1962
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Sep 2016)
Tax Bill	$10,096 (2025)
Deeds & Mortgages	Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00214 B:00001 L:0000E`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00214 B:00001 L:0000E`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,281 sqft Living Area
Gross Area	4,612 sqft
Basement Area	1,323 sqft
Unfinished Basement	1,323 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	69,696 sqft (1.6 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	108 CROSS ST
City	ANDOVER
State	MA
Zip	01810-3258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	1
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 · APN ANDO M:00214 B:00001 L:0000E

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	108 CROSS ST, ANDOVER, MA 01810-3258
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 28, 2016 · Amount on Record
Deed Sale	Sep 28, 2016 · Amount on Record
Prior Sale	Apr 30, 1971 · Amount on Record
Deed Book / Page	14813 / 333
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	108 CROSS ST, ANDOVER, MA 01810-3258
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016837-28
Date	Mar 23, 2021
Book Page	16837/28
Instrument	9715

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Essex County and Andover Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,096.00 (+0.33%)	$808,300 (+3.46%) Land $466,700 Building $341,600	$833,245
2024	$10,063.00 (+4.55%)	$781,300 (+10.89%) Land $453,100 Building $328,200
2023	$9,625.00	$704,600 Land $409,100 Building $295,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 135 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ANDOVER WATER DEPT serves 36,569 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.