Essex County and Andover Town property record for 28 Sutherland St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,804 sqft · built 1950 |
| Lot Size | 0.266 acres (11,570 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $659,000 (Aug 2022) |
| Tax Bill | $7,398 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Mar 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00018 B:00043 L:00000 |
| Primary APN | ANDO M:00018 B:00043 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,804 sqft Living Area |
| Gross Area | 2,524 sqft |
| Basement Area | 1,025 sqft |
| Unfinished Basement | 256 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,570 sqft (0.266 acres) |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 28 SUTHERLAND ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 43 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 254100 |
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 | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 1, 2022 | Deed of Trust, Mortgage · Line of Credit DIRECT CU |
| Mar 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DIRECT CU |
| Aug 12, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BROKER SOLUTIONS INC |
| Mar 3, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance DIRECT CU |
| Aug 31, 2017 | Quit Claim Deed, Transfer GMH MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2022 · Amount on Record |
| Deed Sale | Aug 12, 2022 · Amount on Record |
| Prior Sale | Aug 31, 2017 · Amount on Record |
| Deed Book / Page | 17537 / 41 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0017462-37 |
|---|---|
| Date | Jun 1, 2022 |
| Book Page | 17462/37 |
| Instrument | 12958 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0016800-63 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 16800/63 |
| Instrument | 7180 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Aug 12, 2022 |
| Property Address | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Document Number | 0017537-41 |
| Book / Page | 17537 / 41 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 19210 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| 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 | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Document Number | 0000019211 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 19211 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Mar 3, 2021 |
| Property Address | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Document Number | 0016800-61 |
| Book / Page | 16800 / 61 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 7179 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Document Number | 0016800-63 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 16800/63 |
| Instrument | 7180 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Aug 31, 2017 |
| Property Address | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Document Number | 15207-304 |
| Book / Page | 15207 / 304 |
| Instrument | 22588 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $60.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 SUTHERLAND ST, ANDOVER, MA 01810-1419 |
| Document Number | 152070308 |
|---|---|
| Date | Aug 31, 2017 |
| Instrument | 15207/0308 |
| Name | GMH MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Aug 31, 2047 |
| Rate | 3.38% |
|---|---|
| Max Rate At Change | 90.1% |
| Max Rate | 2.25% |
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 | $7,398.00 (-18.16%) | $592,300 (-15.61%) Land $356,600 Building $235,700 | $729,410 |
| 2024 | $9,040.00 (+4.59%) | $701,900 (+10.94%) Land $478,900 Building $223,000 | |
| 2023 | $8,643.00 | $632,700 Land $431,300 Building $201,400 |
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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 28 (1979–2010) |
| Claims Outside the SFHA | 7 of 28 |
| 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 99.1% of the US · lower than 98.7% 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 201 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 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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