Essex County and Andover Town property record for 199 River Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,746 sqft · built 1954 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,000 (Jan 2017) |
| Tax Bill | $8,832 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00188 B:00002 L:00000 |
| Primary APN | ANDO M:00188 B:00002 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,746 sqft Living Area |
| Gross Area | 4,160 sqft |
| Basement Area | 1,386 sqft |
| Unfinished Basement | 1,386 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 199 RIVER RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 2 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1001 |
| 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 | 199 RIVER RD, ANDOVER, MA 01810-2413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 12, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU |
| Sep 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE EQUITY PARTNERS LLC |
| Jan 6, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage PHH HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2017 · Amount on Record |
| Deed Sale | Jan 6, 2017 · Amount on Record |
| Prior Sale | Sep 5, 1975 · Amount on Record |
| Deed Book / Page | 14946 / 106 |
| Transfer Doc | 014946-106 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 199 RIVER RD, ANDOVER, MA 01810-2413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 017662-287 |
|---|---|
| Date | Jan 12, 2023 |
| Book Page | 17662/287 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 199 RIVER RD, ANDOVER, MA 01810-2413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16512-14 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 16512/14 |
| Instrument | 25772 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jan 6, 2017 |
| Property Address | 199 RIVER RD, ANDOVER, MA 01810-2413 |
| Document Number | 14946-106 |
| Book / Page | 014946 / 000106 |
| Instrument Date | Dec 27, 2016 |
| Instrument | 467 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,732.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 199 RIVER RD ANDOVER MA 018102413, ANDOVER, MA 01810-2413 |
| Document Number | 14946-108, |
|---|---|
| Date | Jan 6, 2017 |
| Book Page | 014946/000108 |
| Instrument | 468 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 5, 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 | $8,832.00 (-0.15%) | $707,100 (+2.97%) Land $435,600 Building $271,500 | $638,590 |
| 2024 | $8,845.00 (+6.03%) | $686,700 (+12.44%) Land $425,100 Building $261,600 | |
| 2023 | $8,342.00 | $610,700 Land $393,800 Building $216,900 |
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 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.
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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