Essex County and Andover Town property record for 3 Matthew St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,274 sqft · built 1970 |
| Lot Size | 0.805 acres (35,048 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $525,000 (Jun 2013) |
| Tax Bill | $10,547 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Sep 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00129 B:00024 L:00000 |
| Primary APN | ANDO M:00129 B:00024 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,274 sqft Living Area |
| Gross Area | 2,918 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 216 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 35,048 sqft (0.805 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 MATTHEW ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | PLAN 5120 |
| Legal Block | 24 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 254402 |
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 Trust Names on Record |
|---|---|
| Mailing Address | 3 MATTHEW ST, ANDOVER, MA 01810-1103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU |
| Feb 5, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Aug 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2013 · Amount on Record |
| Deed Sale | Jun 28, 2013 · Amount on Record |
| Prior Sale | Jul 27, 2012 · Amount on Record |
| Deed Book / Page | 13534 / 255 |
| Transfer Doc | 13042-215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 3 MATTHEW ST, ANDOVER, MA 01810-1103 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 017136-187 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 17136/187 |
| Instrument | 31037 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 3 MATTHEW ST, ANDOVER, MA 01810-1103 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 016476-136 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 16476/136 |
| Instrument | 23299 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Feb 5, 2019 |
| Property Address | 3 MATTHEW ST, ANDOVER, MA 01810-1103 |
| Document Number | 15752-157 |
| Book / Page | 015752 / 000157 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 2676 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 MATTHEW ST ANDOVER MA 018101103, ANDOVER, MA 01810-1103 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 3 MATTHEW ST, ANDOVER, MA 01810-1103 |
| Document Number | 15612-29 |
| Instrument Date | Aug 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3 MATTHEW ST ANDOVER MA 018101103, ANDOVER, MA 01810-1103 |
| Document Number | 15612-29 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 015612/000029 |
| Instrument | 22125 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2048 |
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 | $10,547.00 (+2.3%) | $844,400 (+5.48%) Land $430,600 Building $413,800 | $940,025 |
| 2024 | $10,310.00 (+1.38%) | $800,500 (+7.52%) Land $418,300 Building $382,200 | |
| 2023 | $10,170.00 | $744,500 Land $376,900 Building $367,600 |
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 | 4 in force |
| Nearby Flood Claims | 2 (2010) |
| Claims Outside the SFHA | 2 of 2 |
| 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.
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 348 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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