191 Holt Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 191 Holt Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,331 sqft · built 2018
Lot Size	0.43 acres (18,748 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Apr 2018)
Tax Bill	$22,548 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jul 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00060 B:00033 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00060 B:00033 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,331 sqft Living Area
Gross Area	11,482 sqft
Basement Area	2,266 sqft
Unfinished Basement	2,266 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,748 sqft (0.43 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	191 HOLT RD
City	ANDOVER
State	MA
Zip	01810-5005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	33
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1014
Census Tract	254302

Owner

191 Holt Rd is owned and occupied by two individuals who bought it in April 2018.

Source: Essex County and Andover Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	191 HOLT RD, ANDOVER, MA 01810-5005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PATRIOT BANK
Jul 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PATRIOT BANK
Apr 13, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2018 · Amount on File
Deed Sale	Apr 13, 2018 · Amount on File
Prior Sale	Oct 17, 2014 · Amount on File
Deed Book / Page	15447 / 169
Transfer Doc	15447-169
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	191 HOLT RD, ANDOVER, MA 01810-5005
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16846-130
Date	Mar 29, 2021
Book Page	16846/130
Instrument	10299

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	191 HOLT RD, ANDOVER, MA 01810-5005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15921-244
Date	Jul 17, 2019
Book Page	15921/244
Instrument	16555

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 13, 2018
Property Address	191 HOLT RD, ANDOVER, MA 01810-5005
Document Number	15447-169
Book / Page	015447 / 000169
Instrument Date	Apr 10, 2018
Instrument	8388
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transaction

Amount	Amount on Record
Tax	$1,938.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 BARRON CT ANDOVER MA 018105339, ANDOVER, MA 01810-5339

Tax Assessment & Valuation

The 2025 property tax bill for 191 Holt Rd was $22,548, up 2.4% from the year before.

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	$22,548.00 (+2.35%)	$1,805,300 (+5.55%) Land $559,800 Building $1,245,500	$1,708,385
2024	$22,030.00 (+3.75%)	$1,710,400 (+10.04%) Land $512,900 Building $1,197,500
2023	$21,233.00	$1,554,400 Land $461,900 Building $1,092,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 191 Holt Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	2 (1996–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2022 · 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

Wildfire risk around 191 Holt Rd 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	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 132 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)

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