286 S Main St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 286 S Main St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 7,053 sqft · built 1927
Lot Size	5.68 acres (247,652 sqft)
Owner	2 Company Names on Record
Last Sale	$2,700,000 (Apr 2018)
Tax Bill	$44,316 (2025)
Deeds & Mortgages	Jan 2019 Transfer Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00059 B:00003 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00059 B:00003 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	7,053 sqft Living Area
Gross Area	13,413 sqft
Basement Area	2,856 sqft
Unfinished Basement	2,856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Mansion
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	247,652 sqft (5.68 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	286 S MAIN ST
City	ANDOVER
State	MA
Zip	01810-4923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	3
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1010
Census Tract	254302

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 Company Names on Record
Mailing Address	286 S MAIN ST, ANDOVER, MA 01810-4923
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2019	Quit Claim Deed, Transfer Quitclaim
Jun 1, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Apr 9, 2018	Quit Claim Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2018 · Amount on Record
Deed Sale	Apr 9, 2018 · Amount on Record
Prior Sale	Mar 29, 2001 · Amount on Record
Deed Book / Page	15442 / 249
Last Transfer Date	Jan 2, 2019
Transfer Doc	15732-29
Record Updated	Sep 20, 2026

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 11, 2019
Property Address	286 S MAIN ST, ANDOVER, MA 01810-4923
Document Number	15732-29
Book / Page	015732 / 000029
Instrument Date	Jan 2, 2019
Instrument	739
Transaction Type	Transfer
Record Updated	Jan 29, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 S MAIN ST ANDOVER MA 018104923, ANDOVER, MA 01810-4923

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	286 S MAIN ST, ANDOVER, MA 01810-4923
Document Number	15517-158
Instrument Date	Jun 1, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 S MAIN ST ANDOVER MA 018104923, ANDOVER, MA 01810-4923

Mortgage

Document Number	15517-158
Date	Jun 18, 2018
Book Page	015517/000158
Instrument	14048

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2048

Interest

Rate Type	Adjustable Rate

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 9, 2018
Property Address	286 S MAIN ST, ANDOVER, MA 01810-4923
Document Number	15442-249
Book / Page	015442 / 000249
Instrument Date	Apr 4, 2018
Instrument	7967
Transaction Type	Transfer
Record Updated	May 1, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,312.00
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	286 S MAIN ST ANDOVER MA 018104923, ANDOVER, MA 01810-4923

Mortgage

Document Number	15442-252
Date	Apr 9, 2018
Book Page	015442/000252
Instrument	7968

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 8, 2033

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	$44,316.00 (+8.03%)	$3,548,100 (+11.4%) Land $726,000 Building $2,822,100	$3,516,995
2024	$41,023.00 (+3.77%)	$3,185,000 (+10.06%) Land $718,400 Building $2,466,600
2023	$39,532.00	$2,894,000 Land $670,500 Building $2,223,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1996–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2022 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 128 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 (outdoors only) and 4G LTE

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