21 River St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 21 River St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,035 sqft · built 1797
Lot Size	0.347 acres (15,128 sqft)
Owner	Individual Name on Record
Last Sale	$323,000 (Mar 2016)
Tax Bill	$7,387 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00139 B:00149 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00139 B:00149 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,035 sqft Living Area
Gross Area	2,233 sqft
Basement Area	795 sqft
Unfinished Basement	795 sqft

Exterior

Year Built	Built 1797
Effective Year Built	Effective 1797
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,128 sqft (0.347 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 RIVER ST
City	ANDOVER
State	MA
Zip	01810-5907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	149
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2009
Census Tract	254301

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	Individual Name on Record
Mailing Address	21 RIVER ST, ANDOVER, MA 01810-5907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2016 · Amount on Record
Deed Sale	Mar 21, 2016 · Amount on Record
Prior Sale	Jun 6, 2014 · Amount on Record
Deed Document Number	20166260
Deed Book / Page	14565 / 314
Transfer Doc	014565-314
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	21 RIVER ST, ANDOVER, MA 01810-5907
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017422-293
Date	Apr 25, 2022
Book Page	17422/293
Instrument	9892

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2051

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	$7,387.00 (-0.09%)	$591,400 (+3.01%) Land $350,300 Building $241,100	$537,035
2024	$7,394.00 (+3.02%)	$574,100 (+9.27%) Land $341,900 Building $232,200
2023	$7,177.00	$525,400 Land $316,700 Building $208,700

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1987–2010)
Claims Outside the SFHA	3 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.

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 231 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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