11 High St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 11 High St, Andover, MA 01810

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3 bd · 2.5 ba · 2,952 sqft · built 1914
Lot Size	0.212 acres (9,230 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Aug 1998)
Tax Bill	$12,926 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00038 B:00115 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00038 B:00115 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,952 sqft Total Area
Gross Area	7,177 sqft
Basement Area	1,343 sqft
Unfinished Basement	1,343 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,230 sqft (0.212 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	11 HIGH ST
City	ANDOVER
State	MA
Zip	01810-3527
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	SRA
Legal Block	115
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254200

Owner

11 High St, a commercial property, is owned by an individual who bought it in August 1998.

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

Owner of Record	Individual Name on File
Mailing Address	11 HIGH ST, ANDOVER, MA 01810-3527
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
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage GMH MORTGAGE SERVICES LLC
Oct 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FIN HOUSE LA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 1998 · Amount on File
Deed Sale	Aug 27, 1998 · Amount on File
Prior Sale	Sep 2, 1994 · Amount on File
Deed Book / Page	5159 / 237
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 HIGH ST, ANDOVER, MA 01810-3527
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0017175-54
Date	Oct 12, 2021
Book Page	17175/54
Instrument	33742

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 HIGH ST, ANDOVER, MA 01810-3527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15118-105
Date	Jun 19, 2017
Book Page	15118/105
Instrument	15077

Lender

Name	GMH MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	11 HIGH ST, ANDOVER, MA 01810-3527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16555-193
Date	Oct 21, 2020
Book Page	16555/193
Instrument	28743

Lender

Name	AMERICAN FIN HOUSE LA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 11 High St was $12,926, down 2.1% 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	$12,926.00 (-2.08%)	$1,034,900 (+0.98%) Land $332,600 Building $702,300	$1,188,443
2024	$13,201.00	$1,024,900 (+21.97%) Land $324,600 Building $700,300
2023		$840,300 Land $300,700 Building $539,600

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

Flood

FEMA maps place 11 High St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms And Flooding

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

The area around 11 High St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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