18 Harding St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 18 Harding St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,585 sqft · built 1884
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,000 (May 2015)
Tax Bill	$6,855 (2025)
Deeds & Mortgages	Jun 2024 Line of Credit Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00037 B:00022 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00037 B:00022 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,585 sqft Living Area
Gross Area	3,067 sqft
Basement Area	1,002 sqft
Unfinished Basement	1,002 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,002 sqft (0.344 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	18 HARDING ST
City	ANDOVER
State	MA
Zip	01810-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU
Legal Block	22
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2022
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	18 HARDING ST, ANDOVER, MA 01810-3107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2024	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jul 31, 2017	Deed of Trust, Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2015 · Amount on Record
Deed Sale	May 29, 2015 · Amount on Record
Prior Sale	Mar 9, 2012 · Amount on Record
Deed Book / Page	14244 / 68
Transfer Doc	012849-137
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	18 HARDING ST, ANDOVER, MA 01810-3107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018005-174
Date	Jun 4, 2024
Book Page	18005/174
Instrument	8567

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	18 HARDING ST, ANDOVER, MA 01810-3107
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15170-289
Date	Jul 31, 2017
Book Page	15170/289
Instrument	19504

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

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	$6,855.00 (+1.3%)	$548,800 (+4.45%) Land $251,900 Building $296,900	$677,825
2024	$6,767.00 (+4.61%)	$525,400 (+10.94%) Land $245,800 Building $279,600
2023	$6,469.00	$473,600 Land $221,400 Building $252,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 individual policies
Nearby Flood Policies	274 units insured incl. 244 condo units
Nearby Flood Claims	87 (1982–2023)
Claims Outside the SFHA	11 of 87
Most Recent Claim	Mar 2023 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Mar 2010 · 33 claims Severe Storms And Flooding, May 2006 · 39 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 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	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 219 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: T-Mobile.

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