151 Chestnut St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 151 Chestnut St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,383 sqft · built 1940
Lot Size	0.526 acres (22,895 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Nov 2019)
Tax Bill	$12,112 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00022 B:00087 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00022 B:00087 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,383 sqft Living Area
Gross Area	5,448 sqft
Basement Area	1,290 sqft
Unfinished Basement	471 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,895 sqft (0.526 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	151 CHESTNUT ST
City	ANDOVER
State	MA
Zip	01810-1829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	87
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1000
Census Tract	254301

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	151 CHESTNUT ST, ANDOVER, MA 01810-1829
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Jun 19, 2017	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
Nov 26, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARVARD UNIVERSITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2019 · Amount on Record
Deed Sale	Nov 26, 2019 · Amount on Record
Prior Sale	Oct 4, 2013 · Amount on Record
Deed Book / Page	16096 / 11
Prior Transfer Date	Nov 22, 2019
Prior Transfer Doc	16096-11
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	151 CHESTNUT ST, ANDOVER, MA 01810-1829
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018153-94
Date	Nov 22, 2024
Book Page	18153/94
Instrument	20506

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	151 CHESTNUT ST, ANDOVER, MA 01810-1829
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15118-301
Date	Jun 19, 2017
Book Page	15118/301
Instrument	15111

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 26, 2019
Property Address	151 CHESTNUT ST, ANDOVER, MA 01810-1829
Document Number	16096-11
Book / Page	16096 / 11
Instrument Date	Nov 22, 2019
Instrument	29921
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	151 CHESTNUT ST, ANDOVER, MA 01810-1829

Mortgage

Document Number	29922
Date	Nov 26, 2019
Instrument	29922

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

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	$12,112.00 (+4.2%)	$969,700 (+7.45%) Land $579,100 Building $390,600	$1,154,535
2024	$11,624.00 (+4.28%)	$902,500 (+10.6%) Land $530,500 Building $372,000
2023	$11,147.00	$816,000 Land $477,800 Building $338,200

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	6 in force
Nearby Flood Claims	6 (1987–2010)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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