232 Andover St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 232 Andover St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 1955
Lot Size	0.583 acres (25,400 sqft)
Owner	2 Trust Names on File
Last Sale	$62,000 (May 1979)
Tax Bill	$8,905 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00117 B:00003 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00117 B:00003 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,458 sqft Living Area
Gross Area	3,216 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,400 sqft (0.583 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	232 ANDOVER ST
City	ANDOVER
State	MA
Zip	01810-5631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	C LINCOLN & E JANICE GILES
Legal Block	3
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1019
Census Tract	254301

Owner

232 Andover St is owner-occupied and held in a trust since January 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	232 ANDOVER ST, ANDOVER, MA 01810-5631
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jul 7, 2026	Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION
Feb 2, 2023	Deed, Transfer
May 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 1979 · Amount on File
Deed Sale	May 29, 1979 · Amount on File
Last Transfer Date	Jan 27, 2023
Transfer Doc	017675-139
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 7, 2026
Property Address	232 ANDOVER ST, ANDOVER, MA 01810-5631
Document Number	0000011244
Book / Page	18629 / 1
Instrument Date	Jun 29, 2026
Instrument	202611244
Transaction Type	Transfer
Record Updated	Jul 29, 2026

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	Tenants by the Entirety
Address	232 ANDOVER ST, ANDOVER, MA 01810-5631

Mortgage

Date	Jul 7, 2026

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.51%
Max Rate	-1%

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANDOVER MA
Recording Date	Feb 2, 2023
Property Address	232 ANDOVER ST, ANDOVER, MA 01810-5631
Document Number	017675-139
Book / Page	17675 / 139
Instrument Date	Jan 27, 2023
Instrument	1670
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 ANDOVER ST, ANDOVER, MA 01810-5631

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	232 ANDOVER ST, ANDOVER, MA 01810-5631
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16322-295
Date	May 27, 2020
Book Page	16322/295
Instrument	12417

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 232 Andover St was $8,905, up 2.3% 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	$8,905.00 (+2.29%)	$713,000 (+5.49%) Land $400,200 Building $312,800	$755,345
2024	$8,706.00 (+4.61%)	$675,900 (+10.95%) Land $394,800 Building $281,100
2023	$8,322.00	$609,200 Land $355,600 Building $253,600

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

Flood

FEMA maps place 232 Andover 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 Policies	6 in force
Nearby Flood Claims	6 (1987–2010)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims

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 232 Andover 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 97% of the US · lower than 94% 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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