28 Reservation Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 28 Reservation Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,756 sqft · built 1957
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on File
Last Sale	$830,000 (Sep 2019)
Tax Bill	$14,072 (2025)
Deeds & Mortgages	Jun 2022 Refinance May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00073 B:00009 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00073 B:00009 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,756 sqft Living Area
Gross Area	7,024 sqft
Basement Area	1,042 sqft
Unfinished Basement	781 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	67,082 sqft (1.54 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 RESERVATION RD
City	ANDOVER
State	MA
Zip	01810-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	SIDNEY P WHITE
Legal Block	9
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254401

Owner

28 Reservation Rd is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 RESERVATION RD, ANDOVER, MA 01810-3417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
May 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Sep 27, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HAVERHILL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2019 · Amount on File
Deed Sale	Sep 27, 2019 · Amount on File
Prior Sale	Apr 24, 1981 · Amount on File
Deed Document Number	201923777
Deed Book / Page	16016 / 193
Prior Transfer Date	Sep 17, 2019
Prior Transfer Doc	16016-193
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	28 RESERVATION RD, ANDOVER, MA 01810-3417
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017493-254
Date	Jun 29, 2022
Book Page	17493/254
Instrument	15531

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	28 RESERVATION RD, ANDOVER, MA 01810-3417
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16320-22
Date	May 26, 2020
Book Page	16320/22
Instrument	12234

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Sep 27, 2019
Property Address	28 RESERVATION RD, ANDOVER, MA 01810-3417
Document Number	16016-193
Book / Page	16016 / 193
Instrument Date	Sep 17, 2019
Instrument	23777
Transaction Type	Transfer
Record Updated	May 12, 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
Address	28 RESERVATION RD, ANDOVER, MA 01810-3417

Mortgage

Document Number	23778
Date	Sep 27, 2019
Instrument	23778

Lender

Name	HAVERHILL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 28 Reservation Rd was $14,072, up 3.8% 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	$14,072.00 (+3.81%)	$1,126,700 (+7.05%) Land $618,200 Building $508,500	$1,096,110
2024	$13,556.00 (+4.77%)	$1,052,500 (+11.12%) Land $595,100 Building $457,400
2023	$12,939.00	$947,200 Land $536,700 Building $410,500

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

Flood

FEMA maps place 28 Reservation Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.

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
Nearby Flood Claims	8 (1982–2018)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2018 · rainfall accumulation

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 28 Reservation 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 91 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

Cell Coverage

5G and 4G LTE (outdoors only)

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