Essex County and Andover Town property record for 305 S Main St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,736 sqft · built 1890 |
| Lot Size | 0.659 acres (28,706 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,040,000 (Aug 2024) |
| Tax Bill | $12,926 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00079 B:00029 L:00000 |
| Primary APN | ANDO M:00079 B:00029 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,736 sqft Living Area |
| Gross Area | 4,854 sqft |
| Basement Area | 1,268 sqft |
| Unfinished Basement | 1,268 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,706 sqft (0.659 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 305 S MAIN ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Subdivision | JOSEPH CATRONE |
| Legal Block | 29 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 254301 |
305 S Main St is owned and occupied by an individual who bought it in August 2024.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 S MAIN ST, ANDOVER, MA 01810-4922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Aug 15, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST BANK |
| Jun 14, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance MICHAEL SAFKO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2024 · Amount on File |
| Deed Sale | Aug 26, 2024 · Amount on File |
| Prior Sale | Aug 15, 2023 · Amount on File |
| Deed Book / Page | 18075 / 44 |
| Transfer Doc | 1248000257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 305 S MAIN ST, ANDOVER, MA 01810-4922 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 018250-152 |
|---|---|
| Date | Apr 14, 2025 |
| Book Page | 18250/152 |
| Instrument | 5483 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Aug 15, 2023 |
| Property Address | 305 S MAIN ST, ANDOVER, MA 01810-4922 |
| Document Number | 017810-106 |
| Book / Page | 17810 / 106 |
| Instrument Date | Aug 15, 2023 |
| Instrument | 13186 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| 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 | 305 S MAIN ST, ANDOVER, MA 01810-4922 |
| Document Number | 0000013187 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 13187 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 305 S MAIN ST, ANDOVER, MA 01810-4922 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15881-185 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 15881/185 |
| Instrument | 13357 |
| Name | MICHAEL SAFKO |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 305 S Main St was $12,926, up 4.9% 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 | $12,926.00 (+4.86%) | $1,034,900 (+8.13%) Land $369,500 Building $665,400 | $969,760 |
| 2024 | $12,327.00 (+3.48%) | $957,100 (+9.76%) Land $365,300 Building $591,800 | |
| 2023 | $11,912.00 | $872,000 Land $338,200 Building $533,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 S Main St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1987.
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 | 6 (1987–2010) |
| Claims Outside the SFHA | 2 of 6 |
| 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.
Wildfire risk around 305 S Main St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
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