260 River Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 260 River Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,079 sqft · built 1964
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Apr 2019)
Tax Bill	$8,529 (2025)
Deeds & Mortgages	May 2023 Mortgage Nov 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00205 B:00022 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00205 B:00022 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,079 sqft Living Area
Gross Area	3,934 sqft
Basement Area	1,050 sqft
Unfinished Basement	105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,867 sqft (1.03 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	260 RIVER RD
City	ANDOVER
State	MA
Zip	01810-3218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	22
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1007
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	260 RIVER RD, ANDOVER, MA 01810-3218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU
Nov 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Nov 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Apr 16, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2019 · Amount on Record
Deed Sale	Apr 16, 2019 · Amount on Record
Deed Document Number	20197933
Deed Book / Page	15814 / 253
Prior Transfer Date	Apr 15, 2019
Prior Transfer Doc	15814-253
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	260 RIVER RD, ANDOVER, MA 01810-3218
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017739-292
Date	May 15, 2023
Book Page	17739/292
Instrument	7289

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2043

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	260 RIVER RD, ANDOVER, MA 01810-3218
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17240-225
Date	Nov 22, 2021
Book Page	17240/225
Instrument	38349

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	260 RIVER RD, ANDOVER, MA 01810-3218
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16786-10
Date	Feb 24, 2021
Book Page	16786/10
Instrument	6300

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	260 RIVER RD, ANDOVER, MA 01810-3218
Document Number	16086-131
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	260 RIVER RD ANDOVER MA 018103218, ANDOVER, MA 01810-3218

Mortgage

Document Number	16086-131
Date	Nov 19, 2019
Book Page	016086/000131
Instrument	29187

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2049

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 16, 2019
Property Address	260 RIVER RD, ANDOVER, MA 01810-3218
Document Number	15814-253
Book / Page	015814 / 000253
Instrument Date	Apr 15, 2019
Instrument	7933
Transaction Type	Transfer
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,097.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	800 BULFINCH DR #213 ANDOVER MA 018101135, 213, ANDOVER, MA 01810-1135

Mortgage

Document Number	15814-255
Date	Apr 16, 2019
Book Page	015814/000255
Instrument	7934

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2049

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	$8,529.00 (+4.79%)	$682,900 (+8.07%) Land $370,400 Building $312,500	$701,195
2024	$8,139.00 (+1.66%)	$631,900 (+7.81%) Land $361,500 Building $270,400
2023	$8,006.00	$586,100 Land $334,800 Building $251,300

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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