Essex County and Andover Town property record for 187 Chestnut St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,786 sqft · built 1950 |
| Lot Size | 0.838 acres (36,490 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $649,900 (May 2018) |
| Tax Bill | $13,527 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00005 B:00109 L:00000 |
| Primary APN | ANDO M:00005 B:00109 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,786 sqft Living Area |
| Gross Area | 6,655 sqft |
| Basement Area | 1,458 sqft |
| Unfinished Basement | 583 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 36,490 sqft (0.838 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 187 CHESTNUT ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 109 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 254301 |
187 Chestnut St is owned and occupied by two individuals who bought it in May 2018.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 187 CHESTNUT ST, ANDOVER, MA 01810-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · ARM PENTUCKET BANK |
| Nov 12, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2018 · Amount on File |
| Deed Sale | May 4, 2018 · Amount on File |
| Prior Sale | Dec 28, 2006 · Amount on File |
| Deed Document Number | 201810296 |
| Deed Book / Page | 15470 / 190 |
| Transfer Doc | 015470-190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | May 18, 2026 |
| Property Address | 187 CHESTNUT ST, ANDOVER, MA 01810-1820 |
| Document Number | 018582-234 |
| Book / Page | 18582 / 234 |
| Instrument Date | May 12, 2026 |
| Instrument | 20267726 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 187 CHESTNUT ST, ANDOVER, MA 01810-1820 |
| Document Number | 0000007726, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 18582/234 |
| Instrument | 20267726 |
| Name | PENTUCKET BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Initial Type | Adjustable Rate |
| Type Change Date | Jun 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 187 CHESTNUT ST, ANDOVER, MA 01810-1820 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16074-36 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 16074/36 |
| Instrument | 28244 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2044 |
The 2025 property tax bill for 187 Chestnut St was $13,527, up 3.9% from the year before.
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 | $13,527.00 (+3.88%) | $1,083,000 (+7.12%) Land $642,300 Building $440,700 | $1,163,180 |
| 2024 | $13,022.00 (+4.54%) | $1,011,000 (+10.87%) Land $588,400 Building $422,600 | |
| 2023 | $12,457.00 | $911,900 Land $530,000 Building $381,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 187 Chestnut St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1987.
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 | 6 in force |
| Nearby Flood Claims | 6 (1987–2010) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 187 Chestnut St is low, with a 0.01% annual chance of wildfire.
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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