12 River Rd, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,197 sqft · built 1907
Lot Size	1.03 acres (45,172 sqft)
Owner	Individual Name on Record
Last Sale	$472,000 (Aug 2019)
Tax Bill	$8,395 (2025)
Deeds & Mortgages	Sep 2026 Second Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00127 B:00016 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00127 B:00016 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,197 sqft Living Area
Gross Area	3,138 sqft
Basement Area	893 sqft
Unfinished Basement	893 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Type	Flat
Roof Material	Asphalt
Lot Area	45,172 sqft (1.03 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	12 RIVER RD
City	ANDOVER
State	MA
Zip	01810-1118
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SRC
Legal Block	16
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	4
Census Block	4013
Census Tract	254402

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12 RIVER RD, ANDOVER, MA 01810-1118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BRISTOL COUNTY SAVINGS BANK
Feb 22, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 20, 2019	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Prior Sale	Mar 7, 2016 · Amount on Record
Deed Document Number	2019853
Deed Book / Page	15964 / 74
Prior Transfer Date	Aug 19, 2019
Prior Transfer Doc	15964-74
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Recording Date	Sep 9, 2026
Property Address	12 RIVER RD, ANDOVER, MA 01810-1118
Document Number	0000015706
Book / Page	18686 / 285
Instrument Date	Aug 31, 2026
Instrument	202615706
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RIVER RD, ANDOVER, MA 01810-1118

Mortgage

Document Number	0000015706,
Date	Sep 9, 2026
Book Page	18686/285
Instrument	202615706

Lender

Name	BRISTOL COUNTY SAVINGS BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	12 RIVER RD, ANDOVER, MA 01810-1118
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017351-186
Date	Feb 22, 2022
Book Page	17351/186
Instrument	4431

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 20, 2019
Property Address	12 RIVER RD, ANDOVER, MA 01810-1118
Document Number	15964-74
Book / Page	015964 / 000074
Instrument Date	Aug 19, 2019
Instrument	853
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,152.32
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RIVER RD ANDOVER MA 018101118, ANDOVER, MA 01810-1118

Mortgage

Document Number	15964-76
Date	Aug 20, 2019
Book Page	015964/000076
Instrument	854

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

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	$8,395.00 (-4.62%)	$672,100 (-1.65%) Land $349,100 Building $323,000	$704,930
2024	$8,802.00 (+12.13%)	$683,400 (+18.91%) Land $325,000 Building $358,400
2023	$7,850.00	$574,700 Land $301,100 Building $273,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2010)
Claims Outside the SFHA	2 of 2
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 95% of the US · lower than 90% 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 50 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
T-Mobile Fixed Wireless	100 / 20

12 River Rd, Andover, MA 01810 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on River Rd

Nearby Streets

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