Essex County and Andover Town property record for 18 Downing St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,500 sqft · built 1964 |
| Lot Size | 0.349 acres (15,181 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $675,000 (Jan 2021) |
| Tax Bill | $9,846 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Jul 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00004 B:00094 L:00000 |
| Primary APN | ANDO M:00004 B:00094 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 2,707 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,181 sqft (0.349 acres) |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 18 DOWNING ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 94 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 254200 |
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 DOWNING ST, ANDOVER, MA 01810-1817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 12, 2018 | Deed of Trust, Mortgage SALEM FIVE MTG CO |
| Jul 2, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| Apr 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| Jan 8, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2021 · Amount on Record |
| Deed Sale | Jan 8, 2021 · Amount on Record |
| Deed Book / Page | 16703 / 98 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 18 DOWNING ST, ANDOVER, MA 01810-1817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15546-214 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 15546/214 |
| Instrument | 16472 |
| Name | SALEM FIVE MTG CO |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 18 DOWNING ST, ANDOVER, MA 01810-1817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15905-31 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 15905/31 |
| Instrument | 15271 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 18 DOWNING ST, ANDOVER, MA 01810-1817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16284-90 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 16284/90 |
| Instrument | 9902 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jan 8, 2021 |
| Property Address | 18 DOWNING ST, ANDOVER, MA 01810-1817 |
| Document Number | 16703-98 |
| Book / Page | 16703 / 98 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 712 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 18 DOWNING ST, ANDOVER, MA 01810-1817 |
| Document Number | 713 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 713 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,846.00 (+8.68%) | $788,300 (+12.07%) Land $455,600 Building $332,700 | $842,080 |
| 2024 | $9,060.00 (+4.63%) | $703,400 (+10.96%) Land $409,000 Building $294,400 | |
| 2023 | $8,659.00 | $633,900 Land $368,300 Building $265,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
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.
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 |
| 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.
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 |
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