18 Cutler Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 18 Cutler Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,019 sqft · built 1952
Lot Size	0.952 acres (41,452 sqft)
Owner	2 Individual Names on Record
Last Sale	$899,000 (May 2021)
Tax Bill	$12,687 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Aug 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00109 B:00004 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00109 B:00004 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,019 sqft Living Area
Gross Area	5,062 sqft
Basement Area	1,248 sqft
Unfinished Basement	499 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,452 sqft (0.952 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	18 CUTLER RD
City	ANDOVER
State	MA
Zip	01810-3427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	4
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1009
Census Tract	254401

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	18 CUTLER RD, ANDOVER, MA 01810-3427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Aug 14, 2020	Quit Claim Deed, Transfer · Construction Mortgage THOMAS WALSH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2021 · Amount on Record
Deed Sale	May 28, 2021 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	202117950
Deed Book / Page	16955 / 253
Record Updated	Sep 20, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 28, 2021
Property Address	18 CUTLER RD, ANDOVER, MA 01810-3427
Document Number	16955-253
Book / Page	16955 / 253
Instrument Date	May 28, 2021
Instrument	17950
Transaction Type	Transfer
Record Updated	Jun 11, 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
Relationship	Tenants by the Entirety
Address	18 CUTLER RD, ANDOVER, MA 01810-3427

Mortgage

Document Number	17951
Date	May 28, 2021
Instrument	17951

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 14, 2020
Property Address	18 CUTLER RD, ANDOVER, MA 01810-3427
Document Number	16443-201
Book / Page	016443 / 000201
Instrument Date	May 21, 2020
Instrument	21038
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,052.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 CANDIDA WAY ANDOVER MA 018104647, ANDOVER, MA 01810-4647

Mortgage

Document Number	16443-212
Date	Aug 14, 2020
Book Page	016443/000212
Instrument	21041

Lender

Name	THOMAS WALSH

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 13, 2021

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	$12,687.00 (+3.73%)	$1,015,800 (+6.97%) Land $601,000 Building $414,800	$1,035,500
2024	$12,231.00 (+4.59%)	$949,600 (+10.92%) Land $578,700 Building $370,900
2023	$11,694.00	$856,100 Land $521,100 Building $335,000

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1982–2018)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2018 · rainfall accumulation

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 93% of the US · lower than 83% 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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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