186 Bear Swamp Rd, Andover, CT 06232 Property Records

Andover Town property record for 186 Bear Swamp Rd, Andover, CT 06232

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 1,768 sqft · built 1987
Lot Size	9.3 acres (405,108 sqft)
Owner	Individual Name on Record
Last Sale	$274,000 (May 2010)
Tax Bill	$7,173 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 1 more
APN	`ANDO M:0039 B:0027 L:00011B`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:0039 B:0027 L:00011B`
Alternative APNs	`ADVR M:0039 B:0027 L:00011B` `1271`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,768 sqft Living Area
Gross Area	4,059 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	405,108 sqft (9.3 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1271
Street Address	186 BEAR SWAMP RD
City	ANDOVER
State	CT
Zip	06232-1121
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-80
Legal Block	27
Legal Lot Number	11B
Jurisdiction	ANDOVER CT
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2006
Census Tract	528100

Owner

Source: Andover Town records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	186 BEAR SWAMP RD, ANDOVER, CT 06232-1121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Balloon Mortgage PEOPLES UNITED BANK
Apr 8, 2021	Deed of Trust, Mortgage · Balloon Mortgage PEOPLES UNITED BANK
May 6, 2019	Deed of Trust, Mortgage · Second Mortgage (Down Payment) UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2010 · Amount on Record
Deed Sale	May 3, 2010 · Amount on Record
Prior Sale	May 31, 1996 · Amount on Record
Deed Book / Page	112 / 580
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER CT
Property Address	186 BEAR SWAMP RD, ANDOVER, CT 06232-1121
Transaction Type	Mortgage
Record Updated	Apr 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000138-530
Date	Apr 8, 2021
Book Page	138/530
Instrument	183

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER CT
Property Address	186 BEAR SWAMP RD, ANDOVER, CT 06232-1121
Transaction Type	Mortgage
Record Updated	Apr 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	138-530
Date	Apr 8, 2021
Book Page	138/530
Instrument	183

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER CT
Property Address	186 BEAR SWAMP RD, ANDOVER, CT 06232-1121
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	133-639
Date	May 6, 2019
Book Page	133/639

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

Tax Assessment & Valuation

Source: Andover Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Andover Town
Elementary School District	Andover School District (PK - 06)
Secondary School District	Regional School District 08 (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,173.00	$227,080 (-) Land $44,730 Building $182,350	$158,956 Land $31,311 Building $127,645
2024	$7,173.00 (+0.96%)
2023	$7,105.00 (-1.95%)	$227,080 (-) Land $44,730 Building $182,350
2022	$7,246.00	$227,080 Land $44,730 Building $182,350

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 80% of the US · above 55% of Connecticut
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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