13 Summer St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 13 Summer St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,573 sqft · built 1860
Lot Size	0.495 acres (21,580 sqft)
Owner	2 Individual Names on File
Last Sale	$1,115,500 (May 2017)
Tax Bill	$16,249 (2025)
Deeds & Mortgages	Sep 2020 Refinance May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00039 B:00091 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00039 B:00091 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,573 sqft Living Area
Gross Area	6,893 sqft
Basement Area	1,924 sqft
Unfinished Basement	1,924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,580 sqft (0.495 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	13 SUMMER ST
City	ANDOVER
State	MA
Zip	01810-3619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	91
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1008
Census Tract	254200

Owner

13 Summer St is owned and occupied by two individuals who bought it in May 2017.

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 File
Mailing Address	13 SUMMER ST, ANDOVER, MA 01810-3619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT
May 31, 2017	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Prior Sale	Feb 15, 2001 · Amount on File
Deed Book / Page	15099 / 289
Transfer Doc	015099-289
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	13 SUMMER ST, ANDOVER, MA 01810-3619
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16492-307
Date	Sep 15, 2020
Book Page	16492/307
Instrument	24517

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 31, 2017
Property Address	13 SUMMER ST, ANDOVER, MA 01810-3619
Document Number	15099-289
Book / Page	15099 / 289
Instrument	13460
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.69
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 SUMMER ST, ANDOVER, MA 01810-3619

Mortgage

Document Number	150990291
Date	May 31, 2017
Instrument	15099/0291

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	May 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 13 Summer St was $16,249, up 8.6% 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	$16,249.00 (+8.65%)	$1,301,000 (+12.04%) Land $573,000 Building $728,000	$1,537,955
2024	$14,956.00 (+4.57%)	$1,161,200 (+10.9%) Land $524,900 Building $636,300
2023	$14,303.00	$1,047,100 Land $472,800 Building $574,300

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

Flood

FEMA maps place 13 Summer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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	1 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · 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

The area around 13 Summer St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 495 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

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

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