16 Cedar Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 16 Cedar Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,584 sqft · built 1940
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,965,000 (Aug 2022)
Tax Bill	$19,095 (2025)
Deeds & Mortgages	Aug 2022 Sale Dec 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00020 B:00161 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00020 B:00161 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,584 sqft Living Area
Gross Area	6,867 sqft
Basement Area	1,802 sqft
Unfinished Basement	901 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	16 CEDAR RD
City	ANDOVER
State	MA
Zip	01810-1740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	161
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1009
Census Tract	254100

Owner

Source: Essex County and Andover Town records, as of July 20, 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 Record
Mailing Address	16 CEDAR RD, ANDOVER, MA 01810-1740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Quit Claim Deed, Transfer
Dec 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jan 19, 2021	Deed of Trust, Mortgage · ARM QUICKEN LOANS INC
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Deed Book / Page	17544 / 343
Record Updated	Sep 20, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 22, 2022
Property Address	16 CEDAR RD, ANDOVER, MA 01810-1740
Document Number	017544-343
Book / Page	17544 / 343
Instrument Date	Aug 19, 2022
Instrument	19857
Transaction Type	Transfer
Record Updated	Sep 9, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	16 CEDAR RD, ANDOVER, MA 01810-1740

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	16 CEDAR RD, ANDOVER, MA 01810-1740
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017294-274
Date	Dec 30, 2021
Book Page	17294/274
Instrument	42300

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	16 CEDAR RD, ANDOVER, MA 01810-1740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16718-251
Date	Jan 19, 2021
Book Page	16718/251
Instrument	1830

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Oct 1, 2027
Index	1-Year LIBOR

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	16 CEDAR RD, ANDOVER, MA 01810-1740
Document Number	16024-123
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 CEDAR RD ANDOVER MA 018101740, ANDOVER, MA 01810-1740

Mortgage

Document Number	16024-123
Date	Oct 2, 2019
Book Page	016024/000123
Instrument	24364

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate

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	$19,095.00 (+9.58%)	$1,528,800 (+13%) Land $619,600 Building $909,200	$2,099,595
2024	$17,425.00 (+24.79%)	$1,352,900 (+32.35%) Land $577,400 Building $775,500
2023	$13,963.00	$1,022,200 Land $520,100 Building $502,100

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	4 in force

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 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 231 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

Cell Coverage

5G (outdoors only) and 4G LTE

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