Essex County and Andover Town property record for 190 River Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,694 sqft · built 1990 |
| Lot Size | 1 acres (43,778 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (Nov 2017) |
| Tax Bill | $10,597 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00188 B:00017 L:00000 |
| Primary APN | ANDO M:00188 B:00017 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,694 sqft Living Area |
| Gross Area | 4,255 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 574 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,778 sqft (1 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 190 RIVER RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-2412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | ANDOVER GARDENS INC |
| Legal Block | 17 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 254402 |
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 | 190 RIVER RD, ANDOVER, MA 01810-2412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 8, 2026 | Deed of Trust, Mortgage · Line of Credit DIGITAL FEDERAL CREDIT UNION |
| Nov 17, 2017 | Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2017 · Amount on Record |
| Deed Sale | Nov 17, 2017 · Amount on Record |
| Prior Sale | Apr 19, 2002 · Amount on Record |
| Deed Document Number | 201730140 |
| Deed Book / Page | 15299 / 255 |
| Transfer Doc | 015299-255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | May 8, 2026 |
| Property Address | 190 RIVER RD, ANDOVER, MA 01810-2412 |
| Document Number | 00018575-1 |
| Book / Page | 18575 / 1 |
| Instrument Date | May 1, 2026 |
| Instrument | 20267088 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 190 RIVER RD, ANDOVER, MA 01810-2412 |
| Document Number | 0000007088, |
|---|---|
| Date | May 8, 2026 |
| Book Page | 18575/1 |
| Instrument | 20267088 |
| Name | DIGITAL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jun 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Nov 17, 2017 |
| Property Address | 190 RIVER RD, ANDOVER, MA 01810-2412 |
| Document Number | 15299-255 |
| Book / Page | 015299 / 000255 |
| Instrument Date | Nov 14, 2017 |
| Instrument | 30140 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,508.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 190 RIVER RD ANDOVER MA 018102412, ANDOVER, MA 01810-2412 |
| Document Number | 15299-257 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 015299/000257 |
| Instrument | 30141 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2047 |
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 | $10,597.00 (+0.39%) | $848,400 (+3.51%) Land $435,700 Building $412,700 | $843,885 |
| 2024 | $10,556.00 (+2.65%) | $819,600 (+8.87%) Land $425,200 Building $394,400 | |
| 2023 | $10,283.00 | $752,800 Land $393,900 Building $358,900 |
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 | 1 in force |
| Nearby Flood Claims | 3 (1979–2010) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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