12 Keystone Way, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 12 Keystone Way, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,521 sqft · built 1988
Lot Size	0.965 acres (42,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$845,000 (Dec 2019)
Tax Bill	$15,258 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00202 B:00007 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00202 B:00007 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,521 sqft Living Area
Gross Area	6,117 sqft
Basement Area	2,063 sqft
Unfinished Basement	1,919 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	42,014 sqft (0.965 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 KEYSTONE WAY
City	ANDOVER
State	MA
Zip	01810-5419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	7
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3012
Census Tract	254402

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 KEYSTONE WAY, ANDOVER, MA 01810-5419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK
Feb 8, 2021	Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK
Dec 20, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	May 27, 1993 · Amount on Record
Deed Book / Page	16127 / 170
Prior Transfer Date	Dec 17, 2019
Prior Transfer Doc	16127-170
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 KEYSTONE WAY, ANDOVER, MA 01810-5419
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017492-34
Date	Jun 29, 2022
Book Page	17492/34
Instrument	15409

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 KEYSTONE WAY, ANDOVER, MA 01810-5419
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16757-40
Date	Feb 8, 2021
Book Page	16757/40
Instrument	4348

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

Interest

Rate Type	Adjustable Rate

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 20, 2019
Property Address	12 KEYSTONE WAY, ANDOVER, MA 01810-5419
Document Number	16127-170
Book / Page	16127 / 170
Instrument Date	Dec 17, 2019
Instrument	32427
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Address	12 KEYSTONE WAY, ANDOVER, MA 01810-5419

Mortgage

Document Number	32428
Date	Dec 20, 2019
Instrument	32428

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$15,258.00 (+1.6%)	$1,221,600 (+4.77%) Land $532,200 Building $689,400	$1,100,195
2024	$15,018.00 (+6.57%)	$1,166,000 (+13.03%) Land $499,500 Building $666,500
2023	$14,092.00	$1,031,600 Land $427,000 Building $604,600

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

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 98% of the US · lower than 96% 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 73 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 / 2,000

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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