12 Reservation Rd, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,348 sqft · built 1983
Lot Size	0.689 acres (30,000 sqft)
Owner	2 Individual Names on File
Last Sale	$216,500 (Jul 2013)
Tax Bill	$13,031 (2025)
Deeds & Mortgages	Aug 2021 Refinance Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00073 B:00007 L:0000B`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00073 B:00007 L:0000B`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,348 sqft Living Area
Gross Area	5,316 sqft
Basement Area	1,192 sqft
Unfinished Basement	1,192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,000 sqft (0.689 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 RESERVATION RD
City	ANDOVER
State	MA
Zip	01810-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	7
Legal Lot Number	B
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254401

Owner

12 Reservation Rd is owned and occupied by two individuals who bought it in July 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 RESERVATION RD, ANDOVER, MA 01810-3417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC
Dec 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MASSACHUSETTS INSTITUTE OF TECHNOLOGY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2013 · Amount on File
Deed Sale	Jul 12, 2013 · Amount on File
Prior Sale	Mar 16, 2001 · Amount on File
Deed Book / Page	13551 / 76
Transfer Doc	0013551-76
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 RESERVATION RD, ANDOVER, MA 01810-3417
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017063-27
Date	Aug 2, 2021
Book Page	17063/27
Instrument	25840

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 RESERVATION RD, ANDOVER, MA 01810-3417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16117-202
Date	Dec 13, 2019
Book Page	16117/202
Instrument	31592

Lender

Name	MASSACHUSETTS INSTITUTE OF TECHNOLOGY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 12 Reservation Rd was $13,031, up 3.3% 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	$13,031.00 (+3.33%)	$1,043,300 (+6.56%) Land $552,900 Building $490,400	$863,645
2024	$12,611.00 (+4.39%)	$979,100 (+10.71%) Land $532,400 Building $446,700
2023	$12,081.00	$884,400 Land $479,400 Building $405,000

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

Flood

FEMA maps place 12 Reservation Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1982–2018)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2018 · rainfall accumulation

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 12 Reservation 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 99.1% of the US · lower than 98.7% 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 91 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Reservation Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures