109 Main St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 109 Main St, Andover, MA 01810

Property Summary

Property Type	Boarding House, Apartment Hotel
Details	8 bd · 3.5 ba · 3,055 sqft · built 1880
Lot Size	0.197 acres (8,586 sqft)
Owner	Company Name on Record
Last Sale	$80,000 (Oct 1979)
Tax Bill	$15,441 (2025)
Deeds & Mortgages	Jul 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00040 B:00019 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00040 B:00019 L:00000`

Interior

Bedrooms	8 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	12 Units
Stories	2 Stories
Building Area	3,055 sqft Living Area
Gross Area	6,061 sqft
Basement Area	1,541 sqft
Unfinished Basement	1,541 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,586 sqft (0.197 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	109 MAIN ST
City	ANDOVER
State	MA
Zip	01810-3804
Property Category	Commercial
Property Type	Commercial > Retail > Boarding House, Apartment Hotel
Local Zoning Code	SRA
Legal Block	19
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2020
Census Tract	254200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Main Street-Locke listed 1982 · 30 contributing resources · NRIS 82000479

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Essex County and Andover Town records, as of April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	902 SAINT ANDREWS BLVD, NAPLES, FL 34113-8924
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 1979 · Amount on Record
Deed Sale	Oct 7, 1979 · Amount on Record
Record Updated	Jun 8, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 23, 2021
Property Address	109 MAIN ST, ANDOVER, MA 01810-3804
Document Number	017045-279
Book / Page	17045 / 279
Instrument Date	Jul 22, 2021
Instrument	24627
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MAIN ST, ANDOVER, MA 01810-3804

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
2025	$15,441.00 (+2.23%)	$1,236,300 (+5.42%) Land $496,000 Building $740,300
2024	$15,104.00 (-2.7%)	$1,172,700 (+3.19%) Land $493,000 Building $679,700
2023	$15,523.00	$1,136,400 Land $456,700 Building $679,700

Assessed value is set for property tax purposes and is not a market price estimate.

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 Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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 97% of the US · lower than 94% 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 190 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20