22 Summer St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 22 Summer St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,698 sqft · built 1880
Lot Size	0.255 acres (11,112 sqft)
Owner	2 Individual Names on File
Last Sale	$687,000 (Jul 2007)
Tax Bill	$13,940 (2025)
Deeds & Mortgages	Jan 2021 Refinance Nov 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00021 B:00048 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00021 B:00048 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,698 sqft Living Area
Gross Area	5,038 sqft
Basement Area	1,516 sqft
Unfinished Basement	1,516 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,112 sqft (0.255 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	22 SUMMER ST
City	ANDOVER
State	MA
Zip	01810-3627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	ANDOVER MASS
Legal Block	48
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3003
Census Tract	254200

Owner

22 Summer St is owned and occupied by two individuals who bought it in July 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 SUMMER ST, ANDOVER, MA 01810-3627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SEMPER HOME LOANS INC
Nov 13, 2020	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Aug 24, 2019	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
May 14, 2018	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2007 · Amount on File
Deed Sale	Jul 13, 2007 · Amount on File
Prior Sale	Mar 27, 1997 · Amount on File
Deed Book / Page	10836 / 129
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	22 SUMMER ST, ANDOVER, MA 01810-3627
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16732-172
Date	Jan 25, 2021
Book Page	16732/172
Instrument	2780

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	22 SUMMER ST, ANDOVER, MA 01810-3627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16601-331
Date	Nov 13, 2020
Book Page	16601/331
Instrument	31854

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	22 SUMMER ST, ANDOVER, MA 01810-3627
Document Number	15977-64
Instrument Date	Aug 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 SUMMER ST ANDOVER MA 018103627, ANDOVER, MA 01810-3627

Mortgage

Document Number	15977-64
Date	Aug 29, 2019
Book Page	015977/000064
Instrument	20827

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 28, 2039

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	22 SUMMER ST, ANDOVER, MA 01810-3627
Document Number	15482-334
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 SUMMER ST ANDOVER MA 018103627, ANDOVER, MA 01810-3627

Mortgage

Document Number	15482-334
Date	May 18, 2018
Book Page	015482/000334
Instrument	11275

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 17, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 22 Summer St was $13,940, up 6.8% 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	$13,940.00 (+6.81%)	$1,116,100 (+10.15%) Land $524,300 Building $591,800	$1,172,585
2024	$13,051.00 (+4.61%)	$1,013,300 (+10.95%) Land $480,300 Building $533,000
2023	$12,476.00	$913,300 Land $432,600 Building $480,700

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

Flood

FEMA maps place 22 Summer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2019 · 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

Wildfire risk around 22 Summer St is low, with less than a 0.01% annual chance of 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 495 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: AT&T, T-Mobile.

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