Essex County and Andover Town property record for 12 Sutherland St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,791 sqft · built 1937 |
| Lot Size | 0.316 acres (13,752 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,900 (Sep 2004) |
| Tax Bill | $10,372 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Mar 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00018 B:00039 L:00000 |
| Primary APN | ANDO M:00018 B:00039 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,791 sqft Living Area |
| Gross Area | 4,505 sqft |
| Basement Area | 1,424 sqft |
| Unfinished Basement | 854 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,752 sqft (0.316 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Gas |
| Street Address | 12 SUTHERLAND ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Subdivision | LEONIDAS HAMEL & DELPHINE HAME |
| Legal Block | 39 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 254100 |
Source: Essex County and Andover Town records · APN ANDO M:00018 B:00039 L:00000
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 12 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
| Date | Document |
|---|---|
| Mar 27, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND |
| Jun 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Mar 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2004 · Amount on Record |
| Deed Sale | Sep 01, 2004 · Amount on Record |
| Prior Sale | Sep 01, 2004 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 12 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 017704-134 |
|---|---|
| Date | Mar 27, 2023 |
| Book Page | 17704/134 |
| Instrument | 4267 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 12 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16814-193 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 16814/193 |
| Instrument | 8109 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 12 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15877-68 |
|---|---|
| Date | Jun 11, 2019 |
| Book Page | 15877/68 |
| Instrument | 13031 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 12 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16245-119 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 16245/119 |
| Instrument | 7664 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Apr 01, 2046 |
Source: Essex County and Andover Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,372.00 (-10.96%) | $830,400 (-8.18%) Land $363,500 Building $466,900 | $825,360 |
| 2024 | $11,649.00 (+4.63%) | $904,400 (+10.96%) Land $488,100 Building $416,300 | |
| 2023 | $11,134.00 | $815,100 Land $439,600 Building $375,500 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092541005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 28 (1979–2010) |
| Claims Outside the SFHA | 7 of 28 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 201 locations within half a mile · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ANDOVER WATER DEPT serves 36,569 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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