2 Chestnut St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 2 Chestnut St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,228 sqft · built 1784
Lot Size	0.204 acres (8,899 sqft)
Owner	2 Individual Names on Record
Last Sale	$760,000 (Jun 2021)
Tax Bill	$10,690 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00055 B:00085 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00055 B:00085 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,228 sqft Living Area
Gross Area	3,788 sqft
Basement Area	1,152 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1784
Effective Year Built	Effective 1784
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,899 sqft (0.204 acres)
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2 CHESTNUT ST
City	ANDOVER
State	MA
Zip	01810-3706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	85
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2013
Census Tract	254200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Street District listed 1982 · 31 contributing resources · NRIS 82000478

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	2 CHESTNUT ST, ANDOVER, MA 01810-3706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Nov 29, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 21, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Apr 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 13, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance GUARANTEED HOME MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	Mar 4, 2015
Deed Book / Page	16957 / 24
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 1, 2021
Property Address	2 CHESTNUT ST, ANDOVER, MA 01810-3706
Document Number	16957-24
Book / Page	16957 / 24
Instrument Date	Jun 1, 2021
Instrument	18071
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2 CHESTNUT ST, ANDOVER, MA 01810-3706

Mortgage

Document Number	18072
Date	Jun 1, 2021
Instrument	18072

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 CHESTNUT ST, ANDOVER, MA 01810-3706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15311-144
Date	Nov 29, 2017
Book Page	15311/144
Instrument	31035

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	2 CHESTNUT ST, ANDOVER, MA 01810-3706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16158-248
Date	Jan 21, 2020
Book Page	16158/248
Instrument	1290

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 13, 2020
Property Address	2 CHESTNUT ST, ANDOVER, MA 01810-3706
Document Number	16260-260
Book / Page	016260 / 000260
Instrument Date	Apr 8, 2020
Instrument	8595
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2 CHESTNUT ST ANDOVER MA 018103706, ANDOVER, MA 01810-3706

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 13, 2020
Property Address	2 CHESTNUT ST, ANDOVER, MA 01810-3706
Document Number	16260-243
Book / Page	16260 / 243
Instrument Date	Apr 8, 2020
Instrument	8593
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 CHESTNUT ST, ANDOVER, MA 01810-3706

Mortgage

Document Number	16260-246
Date	Apr 13, 2020
Book Page	16260/246
Instrument	8594

Lender

Name	GUARANTEED HOME MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2045

Tax Assessment & Valuation

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	$10,690.00 (+8.34%)	$855,900 (+11.72%) Land $462,600 Building $393,300	$835,905
2024	$9,867.00 (+4.38%)	$766,100 (+10.71%) Land $423,800 Building $342,300
2023	$9,453.00	$692,000 Land $381,700 Building $310,300

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

Flood

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 Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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.

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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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