20 Cuba St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 20 Cuba St, Andover, MA 01810

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 2,112 sqft · built 1917
Lot Size	0.31 acres (13,499 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Jul 2021)
Tax Bill	$8,583 (2025)
Deeds & Mortgages	Aug 2021 Transfer Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00072 B:00021 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00072 B:00021 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,112 sqft Living Area
Gross Area	3,927 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,499 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 CUBA ST
City	ANDOVER
State	MA
Zip	01810-3423
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SRA
Legal Block	21
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1013
Census Tract	254401

Historic Designation

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

Historic District	Within the Andover Village Industrial District listed 1982 · 82 contributing resources · NRIS 82000476

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

Owner

20 Cuba St, a duplex, is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	20 CUBA ST, ANDOVER, MA 01810-3423
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 3, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 23, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU
Apr 1, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 1, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2021 · Amount on File
Deed Sale	Jul 23, 2021 · Amount on File
Deed Book / Page	17044 / 149
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 3, 2021
Property Address	20 CUBA ST, ANDOVER, MA 01810-3423
Document Number	017063-246
Book / Page	17063 / 246
Instrument Date	Jul 23, 2021
Instrument	25881
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 23, 2021
Property Address	20 CUBA ST, ANDOVER, MA 01810-3423
Document Number	017044-149
Book / Page	17044 / 149
Instrument Date	Jul 23, 2021
Instrument	24545
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	20 CUBA ST, ANDOVER, MA 01810-3423

Mortgage

Document Number	0000024546
Date	Jul 23, 2021
Instrument	24546

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 1, 2021
Property Address	20 CUBA ST, ANDOVER, MA 01810-3423
Document Number	016854-300
Book / Page	16854 / 300
Instrument Date	Mar 19, 2021
Instrument	10832
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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	20 CUBA ST, ANDOVER, MA 01810-3423

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 1, 2021
Property Address	20 CUBA ST, ANDOVER, MA 01810-3423
Document Number	016854-304
Book / Page	16854 / 304
Instrument Date	Mar 16, 2021
Instrument	10833
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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
Relationship	Tenants in Common

Tax Assessment & Valuation

The 2025 property tax bill for 20 Cuba St was $8,583, up 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	$8,583.00 (+4.02%)	$687,200 (+7.27%) Land $295,300 Building $391,900	$808,379
2024	$8,251.00 (-1.32%)	$640,600 (+4.66%) Land $288,100 Building $352,500
2023	$8,361.00	$612,100 Land $259,600 Building $352,500

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

Flood

FEMA maps place 20 Cuba St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1982–2018)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2018 · 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

The area around 20 Cuba St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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.

Nearby Properties on Cuba St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures