24 River St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 24 River St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,116 sqft · built 2020
Lot Size	0.276 acres (12,001 sqft)
Owner	2 Individual Names on File
Last Sale	$977,000 (Sep 2022)
Tax Bill	$13,508 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00139 B:00063 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00139 B:00063 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,116 sqft Living Area
Gross Area	5,266 sqft
Basement Area	1,558 sqft
Unfinished Basement	1,558 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,001 sqft (0.276 acres)
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	24 RIVER ST
City	ANDOVER
State	MA
Zip	01810-5908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	63
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2004
Census Tract	254301

Owner

24 River St is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	24 RIVER ST, ANDOVER, MA 01810-5908
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 19, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK
Apr 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
May 1, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2022 · Amount on File
Deed Sale	Sep 19, 2022 · Amount on File
Prior Sale	Apr 30, 2021 · Amount on File
Deed Book / Page	17570 / 152
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Sep 19, 2022
Property Address	24 RIVER ST, ANDOVER, MA 01810-5908
Document Number	017570-152
Book / Page	17570 / 152
Instrument Date	Sep 19, 2022
Instrument	21971
Transaction Type	Transfer
Record Updated	Oct 7, 2022

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	24 RIVER ST, ANDOVER, MA 01810-5908

Mortgage

Document Number	0000021972
Date	Sep 19, 2022
Instrument	21972

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 30, 2021
Property Address	24 RIVER ST, ANDOVER, MA 01810-5908
Document Number	16907-123
Book / Page	16907 / 123
Instrument Date	Apr 30, 2021
Instrument	14531
Transaction Type	Transfer
Record Updated	May 14, 2021

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	24 RIVER ST, ANDOVER, MA 01810-5908

Mortgage

Document Number	14532
Date	Apr 30, 2021
Instrument	14532

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	24 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16038-282
Date	Oct 15, 2019
Book Page	16038/282
Instrument	25517

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 1, 2019
Property Address	24 RIVER ST, ANDOVER, MA 01810-5908
Document Number	15832-167
Book / Page	015832 / 000167
Instrument Date	Apr 22, 2019
Instrument	9368
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,140.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	51 SILVA LN DRACUT MA 018262898, DRACUT, MA 01826-2898

Tax Assessment & Valuation

The 2025 property tax bill for 24 River St was $13,508, up 0.3% 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	$13,508.00 (+0.28%)	$1,081,500 (+3.41%) Land $340,900 Building $740,600	$1,130,310
2024	$13,470.00 (-7.15%)	$1,045,800 (-1.53%) Land $332,700 Building $713,100
2023	$14,508.00	$1,062,100 Land $308,200 Building $753,900

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

Flood

FEMA maps place 24 River 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	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

Wildfire risk around 24 River 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 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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