Essex County and Andover Town property record for 27 Hemlock Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,993 sqft · built 1967 |
| Lot Size | 0.715 acres (31,154 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,205,000 (Sep 2023) |
| Tax Bill | $12,289 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Sep 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00134 B:00046 L:00000 |
| Primary APN | ANDO M:00134 B:00046 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,993 sqft Living Area |
| Gross Area | 5,074 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 547 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,154 sqft (0.715 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 27 HEMLOCK RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 46 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 254403 |
27 Hemlock Rd is owned and occupied by two individuals who bought it in September 2023.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| 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.
| Date | Document |
|---|---|
| Mar 29, 2021 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Sep 11, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| Oct 19, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Sep 4, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK |
| Jun 1, 2017 | Quit Claim Deed, Transfer WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2023 · Amount on File |
| Deed Sale | Sep 11, 2023 · Amount on File |
| Prior Sale | Sep 4, 2019 · Amount on File |
| Deed Book / Page | 17830 / 301 |
| Prior Transfer Date | Jul 29, 2019 |
| Prior Transfer Doc | 15985-259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 016846-216 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | 16846/216 |
| Instrument | 10311 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Sep 11, 2023 |
| Property Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| Document Number | 017830-301 |
| Book / Page | 17830 / 301 |
| Instrument Date | Sep 11, 2023 |
| Instrument | 14924 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| Document Number | 0000014925 |
|---|---|
| Date | Sep 11, 2023 |
| Instrument | 14925 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Type Change Date | Oct 1, 2030 |
| Max Rate At Change | 2.88% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16551-41 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 16551/41 |
| Instrument | 16551 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Sep 4, 2019 |
| Property Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| Document Number | 15985-259 |
| Book / Page | 15985 / 259 |
| Instrument Date | Jul 29, 2019 |
| Instrument | 21496 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| Document Number | 21497 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 21497 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jun 1, 2017 |
| Property Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| Document Number | 15100-196 |
| Book / Page | 15100 / 196 |
| Instrument | 13532 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85.16 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27 HEMLOCK RD, ANDOVER, MA 01810-4626 |
| Document Number | 151000198 |
|---|---|
| Date | Jun 1, 2017 |
| Instrument | 15100/0198 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 27 Hemlock Rd was $12,289, up 8.8% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,289.00 (+8.82%) | $983,900 (+12.21%) Land $517,900 Building $466,000 | $1,304,255 |
| 2024 | $11,293.00 (+4.55%) | $876,800 (+10.88%) Land $464,900 Building $411,900 | |
| 2023 | $10,802.00 | $790,800 Land $418,700 Building $372,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 27 Hemlock Rd in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1983.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 13 (1983–2010) |
| Claims Outside the SFHA | 9 of 13 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 27 Hemlock Rd 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 98% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 153 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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