11 Clark Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 11 Clark Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,232 sqft · built 1870
Lot Size	0.397 acres (17,302 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Nov 2025)
Tax Bill	$11,029 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00137 B:00016 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00137 B:00016 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,232 sqft Living Area
Gross Area	4,518 sqft
Basement Area	558 sqft
Unfinished Basement	558 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,302 sqft (0.397 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11 CLARK RD
City	ANDOVER
State	MA
Zip	01810-5613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	MIKE RISTUCCIA
Legal Block	16
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254403

Owner

11 Clark Rd is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	11 CLARK RD, ANDOVER, MA 01810-5613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Nov 17, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CAMBRIDGE SAVINGS BANK
Aug 1, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2025 · Amount on File
Deed Sale	Nov 17, 2025 · Amount on File
Prior Sale	Aug 30, 2010 · Amount on File
Deed Document Number	20255
Deed Book / Page	18441 / 6
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 17, 2025
Property Address	11 CLARK RD, ANDOVER, MA 01810-5613
Document Number	00018441-6
Book / Page	18441 / 6
Instrument Date	Nov 17, 2025
Instrument	20255
Transaction Type	Transfer
Record Updated	Dec 10, 2025

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
Relationship	Joint Tenants with Right of Survivorship
Address	11 CLARK RD, ANDOVER, MA 01810-5613

Mortgage

Document Number	0000020256
Date	Nov 17, 2025
Instrument	20256

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 1, 2025
Property Address	11 CLARK RD, ANDOVER, MA 01810-5613
Document Number	018347-256
Book / Page	18347 / 256
Instrument Date	Aug 1, 2025
Instrument	13092
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CLARK RD, ANDOVER, MA 01810-5613

Mortgage

Document Number	0000013093
Date	Aug 1, 2025
Instrument	13093

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 9, 2019
Property Address	11 CLARK RD, ANDOVER, MA 01810-5613
Document Number	16110-108
Book / Page	016110 / 000108
Instrument Date	Dec 4, 2019
Instrument	30981
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	11 CLARK RD ANDOVER MA 018105613, ANDOVER, MA 01810-5613

Tax Assessment & Valuation

The 2025 property tax bill for 11 Clark Rd was $11,029, up 5.1% 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	$11,029.00 (+5.12%)	$883,000 (+8.4%) Land $374,700 Building $508,300	$968,335
2024	$10,492.00 (+3.46%)	$814,600 (+9.73%) Land $369,700 Building $444,900
2023	$10,141.00	$742,400 Land $332,900 Building $409,500

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

Flood

FEMA maps place 11 Clark Rd in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1983.

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	13 (1983–2010)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 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

Wildfire risk around 11 Clark Rd 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 231 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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