Essex County and Andover Town property record for 3 Oak St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,498 sqft · built 1955 |
| Lot Size | 0.187 acres (8,141 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (May 2016) |
| Tax Bill | $7,419 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00138 B:00040 L:00000 |
| Primary APN | ANDO M:00138 B:00040 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,498 sqft Living Area |
| Gross Area | 2,520 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 518 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,141 sqft (0.187 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 OAK ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-5824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 40 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 254403 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Ballardvale District listed 1982 · 83 contributing resources · NRIS 82000477 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
3 Oak St is owned and occupied by an individual who bought it in May 2016.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 OAK ST, ANDOVER, MA 01810-5824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2016 · Amount on File |
| Deed Sale | May 9, 2016 · Amount on File |
| Prior Sale | Apr 2, 2012 · Amount on File |
| Deed Book / Page | 14621 / 11 |
| Transfer Doc | 0014621-11 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3 Oak St was $7,419, down 0.7% from the year before.
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 | $7,419.00 (-0.67%) | $594,000 (+2.43%) Land $345,800 Building $248,200 | $643,245 |
| 2024 | $7,469.00 (+4.11%) | $579,900 (+10.42%) Land $341,200 Building $238,700 | |
| 2023 | $7,174.00 | $525,200 Land $307,300 Building $217,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.
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 | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 1996 · Extreme Weather Conditons 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.
The area around 3 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 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.
5G (outdoors only) and 4G LTE
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