23 Cheever Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 23 Cheever Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,537 sqft · built 1949
Lot Size	0.241 acres (10,502 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (May 2014)
Tax Bill	$13,232 (2025)
Deeds & Mortgages	Mar 2021 Refinance Sep 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00020 B:00123 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00020 B:00123 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,537 sqft Living Area
Gross Area	5,271 sqft
Basement Area	1,133 sqft
Unfinished Basement	793 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	10,502 sqft (0.241 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	23 CHEEVER CIR
City	ANDOVER
State	MA
Zip	01810-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	123
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1010
Census Tract	254100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	23 CHEEVER CIR, ANDOVER, MA 01810-1704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Sep 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Feb 10, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Apr 25, 2019	Deed of Trust, Mortgage · Balloon Mortgage SALEM FIVE CENTS SAVINGS BANK
Apr 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2014 · Amount on Record
Deed Sale	May 21, 2014 · Amount on Record
Deed Book / Page	13856 / 318
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	23 CHEEVER CIR, ANDOVER, MA 01810-1704
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016834-41
Date	Mar 22, 2021
Book Page	16834/41
Instrument	9525

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	23 CHEEVER CIR, ANDOVER, MA 01810-1704
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017557-81
Date	Sep 2, 2022
Book Page	17557/81
Instrument	20868

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	23 CHEEVER CIR, ANDOVER, MA 01810-1704
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018209-327
Date	Feb 10, 2025
Book Page	18209/327
Instrument	2041

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2045

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	23 CHEEVER CIR, ANDOVER, MA 01810-1704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15823-14
Date	Apr 25, 2019
Book Page	15823/14
Instrument	8642

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	23 CHEEVER CIR, ANDOVER, MA 01810-1704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16282-85
Date	Apr 29, 2020
Book Page	16282/85
Instrument	9817

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$13,232.00 (+2.14%)	$1,059,400 (+5.33%) Land $622,400 Building $437,000	$972,705
2024	$12,955.00 (+4.74%)	$1,005,800 (+11.08%) Land $580,000 Building $425,800
2023	$12,369.00	$905,500 Land $522,500 Building $383,000

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 Policies	4 in force

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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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