Essex County and Andover Town property record for 28 Hemlock Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,938 sqft · built 1967 |
| Lot Size | 0.714 acres (31,102 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $660,000 (Jul 2017) |
| Tax Bill | $11,433 (2025) |
| Deeds & Mortgages | Jun 2020 Refinance Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00134 B:00055 L:00000 |
| Primary APN | ANDO M:00134 B:00055 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,938 sqft Living Area |
| Gross Area | 4,176 sqft |
| Basement Area | 1,072 sqft |
| Unfinished Basement | 322 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,102 sqft (0.714 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 28 HEMLOCK RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Subdivision | ANDOVER |
| Legal Block | 55 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 254403 |
Source: Essex County and Andover Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 28 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 5, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Jul 14, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage LEND USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2017 · Amount on Record |
| Deed Sale | Jul 14, 2017 · Amount on Record |
| Prior Sale | Mar 12, 1999 · Amount on Record |
| Deed Book / Page | 15150 / 65 |
| Transfer Doc | 0015150-65 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 28 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16337-143 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | 16337/143 |
| Instrument | 13441 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jul 14, 2017 |
| Property Address | 28 HEMLOCK RD, ANDOVER, MA 01810-4603 |
| Document Number | 15150-65 |
| Book / Page | 015150 / 000065 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 697 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,009.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 28 HEMLOCK RD ANDOVER MA 018104603, ANDOVER, MA 01810-4603 |
| Document Number | 15150-68 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 015150/000068 |
| Instrument | 698 |
| Name | LEND USA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2047 |
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 | $11,433.00 (+8.5%) | $915,400 (+11.89%) Land $491,800 Building $423,600 | $1,063,715 |
| 2024 | $10,537.00 (+4.65%) | $818,100 (+10.99%) Land $441,500 Building $376,600 | |
| 2023 | $10,069.00 | $737,100 Land $397,600 Building $339,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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