12 Arcadia Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 12 Arcadia Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,910 sqft · built 1958
Lot Size	0.581 acres (25,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Oct 2002)
Tax Bill	$13,037 (2025)
Deeds & Mortgages	Mar 2021 Refinance Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00099 B:00014 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00099 B:00014 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,910 sqft Living Area
Gross Area	3,915 sqft
Basement Area	1,688 sqft
Unfinished Basement	675 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,291 sqft (0.581 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 ARCADIA RD
City	ANDOVER
State	MA
Zip	01810-4817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	14
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2001
Census Tract	254301

Owner

Source: Essex County and Andover Town records, as of July 20, 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 Record
Mailing Address	12 ARCADIA RD, ANDOVER, MA 01810-4817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Mar 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME PT FIN'L
Jul 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage POLI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2002 · Amount on Record
Deed Sale	Oct 28, 2002 · Amount on Record
Prior Sale	Aug 13, 1999 · Amount on Record
Deed Book / Page	111 / 93
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 ARCADIA RD, ANDOVER, MA 01810-4817
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000124391
Date	Mar 17, 2021
Instrument	124391

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 ARCADIA RD, ANDOVER, MA 01810-4817
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	124391
Date	Mar 17, 2021
Instrument	124391

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 ARCADIA RD, ANDOVER, MA 01810-4817
Document Number	0000123165
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 ARCADIA RD ANDOVER MA 018104817, ANDOVER, MA 01810-4817

Mortgage

Document Number	0000123165
Date	Oct 7, 2020
Instrument	123165

Lender

Name	HOME PT FIN'L

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 6, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 ARCADIA RD, ANDOVER, MA 01810-4817
Document Number	0000120327
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 ARCADIA RD ANDOVER MA 018104817, ANDOVER, MA 01810-4817

Mortgage

Document Number	0000120327
Date	Jul 30, 2019
Instrument	120327

Lender

Name	POLI MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 29, 2034

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	Assessed Market Value
2025	$13,037.00 (+1.68%)	$1,043,800 (+4.85%) Land $704,500 Building $339,300	$1,105,325
2024	$12,822.00 (+4.6%)	$995,500 (+10.93%) Land $673,200 Building $322,300
2023	$12,258.00	$897,400 Land $606,600 Building $290,800

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

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 Policies	3 in force
Nearby Flood Claims	3 (1987–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 92% 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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