18 Reservation Rd, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,948 sqft · built 1991
Lot Size	1.28 acres (55,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,053,250 (Aug 2022)
Tax Bill	$14,948 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00073 B:00008 L:0000B`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00073 B:00008 L:0000B`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,948 sqft Living Area
Gross Area	6,102 sqft
Basement Area	1,896 sqft
Unfinished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,975 sqft (1.28 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	18 RESERVATION RD
City	ANDOVER
State	MA
Zip	01810-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	8
Legal Lot Number	B
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
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 RESERVATION RD, ANDOVER, MA 01810-3417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK
Jan 18, 2017	Deed of Trust, Mortgage SANTANDER BK NA
Mar 29, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Jun 23, 1999 · Amount on Record
Deed Document Number	202220536
Deed Book / Page	17552 / 249
Record Updated	Oct 29, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 30, 2022
Property Address	18 RESERVATION RD, ANDOVER, MA 01810-3417
Document Number	017552-249
Book / Page	17552 / 249
Instrument Date	Aug 30, 2022
Instrument	20536
Transaction Type	Transfer
Record Updated	Sep 19, 2022

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 RESERVATION RD, ANDOVER, MA 01810-3417

Mortgage

Document Number	0000020537
Date	Aug 30, 2022
Instrument	20537

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Sep 1, 2032
Max Rate At Change	3%
Index	Other
Margin	3

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	18 RESERVATION RD, ANDOVER, MA 01810-3417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14959-161
Date	Jan 18, 2017
Book Page	14959/161
Instrument	1546

Lender

Name	SANTANDER BK NA

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	18 RESERVATION RD, ANDOVER, MA 01810-3417
Document Number	15046-31
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15046-31
Date	Apr 13, 2017
Book Page	015046/000031
Instrument	9129

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2047

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	$14,948.00 (+4.42%)	$1,196,800 (+7.68%) Land $614,200 Building $582,600	$1,185,980
2024	$14,315.00 (+4.09%)	$1,111,400 (+10.39%) Land $591,400 Building $520,000
2023	$13,753.00	$1,006,800 Land $533,000 Building $473,800

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 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 95% of the US · lower than 90% 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 91 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 and 4G LTE (outdoors only)

Nearby Properties on Reservation Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures