29 River St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 29 River St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,406 sqft · built 1984
Lot Size	0.528 acres (23,008 sqft)
Owner	2 Individual Names on File
Last Sale	$467,500 (Jan 2007)
Tax Bill	$10,159 (2025)
Deeds & Mortgages	Oct 2022 Refinance Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00139 B:00148 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00139 B:00148 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,406 sqft Living Area
Gross Area	4,302 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,008 sqft (0.528 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	29 RIVER ST
City	ANDOVER
State	MA
Zip	01810-5907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	HOWARD & MARY C COLBATH
Legal Block	148
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2009
Census Tract	254301

Owner

29 River St is owned and occupied by two individuals who bought it in January 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	29 RIVER ST, ANDOVER, MA 01810-5907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Oct 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2007 · Amount on File
Deed Sale	Jan 29, 2007 · Amount on File
Prior Sale	Feb 19, 1993 · Amount on File
Deed Book / Page	10606 / 321
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	29 RIVER ST, ANDOVER, MA 01810-5907
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017593-127
Date	Oct 13, 2022
Book Page	17593/127
Instrument	23889

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	29 RIVER ST, ANDOVER, MA 01810-5907
Document Number	15616-5
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	29 RIVER ST ANDOVER MA 018105907, ANDOVER, MA 01810-5907

Mortgage

Document Number	15616-5
Date	Sep 17, 2018
Book Page	015616/000005
Instrument	22440

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 16, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 29 River St was $10,159, up 3.2% 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	$10,159.00 (+3.17%)	$813,400 (+6.4%) Land $373,900 Building $439,500	$833,910
2024	$9,847.00 (+3.1%)	$764,500 (+9.34%) Land $365,000 Building $399,500
2023	$9,551.00	$699,200 Land $338,000 Building $361,200

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

Flood

FEMA maps place 29 River St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1987–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 29 River St 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 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.

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 231 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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