256 River Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 256 River Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,743 sqft · built 1965
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jul 2012)
Tax Bill	$10,019 (2025)
Deeds & Mortgages	May 2018 Line of Credit Nov 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00205 B:00005 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00205 B:00005 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,743 sqft Living Area
Gross Area	4,260 sqft
Basement Area	1,008 sqft
Unfinished Basement	605 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,867 sqft (1.03 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	256 RIVER RD
City	ANDOVER
State	MA
Zip	01810-6320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	ANDOVER
Legal Block	5
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1008
Census Tract	254402

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	2 Individual Names on Record
Mailing Address	256 RIVER RD, ANDOVER, MA 01810-6320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 24, 2018	Deed of Trust, Mortgage · Line of Credit RTN FCU
Nov 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
May 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2012 · Amount on Record
Deed Sale	Jul 25, 2012 · Amount on Record
Deed Book / Page	13037 / 165
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	256 RIVER RD, ANDOVER, MA 01810-6320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15488-296
Date	May 24, 2018
Book Page	15488/296
Instrument	11827

Lender

Name	RTN FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2038

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	256 RIVER RD, ANDOVER, MA 01810-6320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16070-157
Date	Nov 6, 2019
Book Page	16070/157
Instrument	27938

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2039

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	256 RIVER RD, ANDOVER, MA 01810-6320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16321-291
Date	May 27, 2020
Book Page	16321/291
Instrument	12365

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

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	$10,019.00 (-3.51%)	$802,200 (-0.48%) Land $436,100 Building $366,100	$952,565
2024	$10,383.00 (+3.15%)	$806,100 (+9.39%) Land $425,500 Building $380,600
2023	$10,066.00	$736,900 Land $394,200 Building $342,700

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–2010)
Claims Outside the SFHA	2 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 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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