Essex County and Andover Town property record for 197 River Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,320 sqft · built 1950 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $370,300 (Mar 2005) |
| Tax Bill | $7,972 (2025) |
| Deeds & Mortgages | Jun 2021 Refinance Mar 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00188 B:00003 L:00000 |
| Primary APN | ANDO M:00188 B:00003 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| Gross Area | 2,988 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 43,560 sqft (1 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 197 RIVER RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 3 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 254402 |
Source: Essex County and Andover Town records · APN ANDO M:00188 B:00003 L:00000
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 197 RIVER RD, ANDOVER, MA 01810-2413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Mar 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 18, 2005 · Amount on Record |
| Deed Sale | Mar 18, 2005 · Amount on Record |
| Prior Sale | Oct 22, 2001 · Amount on Record |
| Deed Document Number | 20059333 |
| Deed Book / Page | 9407 / 235 |
| Transfer Doc | 3869000305 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 197 RIVER RD, ANDOVER, MA 01810-2413 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 016990-129 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 16990/129 |
| Instrument | 20531 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 197 RIVER RD, ANDOVER, MA 01810-2413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16220-329 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 16220/329 |
| Instrument | 5966 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
Source: Essex County and Andover Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,972.00 (-0.73%) | $638,300 (+2.37%) Land $435,600 Building $202,700 | $638,590 |
| 2024 | $8,031.00 (+2.7%) | $623,500 (+8.91%) Land $425,100 Building $198,400 | |
| 2023 | $7,820.00 | $572,500 Land $393,800 Building $178,700 |
Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 45 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ANDOVER WATER DEPT serves 36,569 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures