Essex County and Andover Town property record for 20 Hemlock Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,706 sqft · built 1969 |
| Lot Size | 0.698 acres (30,414 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $699,900 (Jul 2017) |
| Tax Bill | $11,914 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance Nov 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00134 B:00051 L:00000 |
| Primary APN | ANDO M:00134 B:00051 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,706 sqft Living Area |
| Gross Area | 4,802 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,414 sqft (0.698 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 20 HEMLOCK RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 51 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 254403 |
Source: Essex County and Andover Town records · APN ANDO M:00134 B:00051 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 | 20 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Nov 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Aug 23, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Jul 27, 2017 | Quit Claim Deed, Transfer WINTRUST MTG CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 27, 2017 · Amount on Record |
| Deed Sale | Jul 27, 2017 · Amount on Record |
| Prior Sale | Jun 19, 1991 · Amount on Record |
| Deed Book / Page | 15165 / 276 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 20 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0017234-15 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 17234/15 |
| Instrument | 37851 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 20 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 17234-15 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 17234/15 |
| Instrument | 37851 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 20 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15969-69 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 15969/69 |
| Instrument | 20195 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jul 27, 2017 |
| Property Address | 20 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Document Number | 15165-276 |
| Book / Page | 15165 / 276 |
| Instrument | 19099 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $83.73 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Document Number | 151650278 |
|---|---|
| Date | Jul 27, 2017 |
| Instrument | 15165/0278 |
| Name | WINTRUST MTG CORP |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 27, 2047 |
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 | $11,914.00 (+8.43%) | $953,900 (+11.82%) Land $489,300 Building $464,600 | $1,088,985 |
| 2024 | $10,988.00 (+4.58%) | $853,100 (+10.91%) Land $439,200 Building $413,900 | |
| 2023 | $10,507.00 | $769,200 Land $395,600 Building $373,600 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092544031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 13 (1983–2010) |
| Claims Outside the SFHA | 9 of 13 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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, availability as of December 31, 2025 · sampled at 153 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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.
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