Essex County and Andover Town property record for 34 Gray Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,241 sqft · built 1930 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Nov 2011) |
| Tax Bill | $14,492 (2025) |
| Deeds & Mortgages | May 2025 Line of Credit Feb 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00010 B:00006 L:0000C |
| Primary APN | ANDO M:00010 B:00006 L:0000C |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,241 sqft Living Area |
| Gross Area | 7,282 sqft |
| Basement Area | 1,328 sqft |
| Unfinished Basement | 1,328 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 34 GRAY RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-2219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | ANDOVER & NORTH ANDOVER |
| Legal Block | 6 |
| Legal Lot Number | C |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 254302 |
Source: Essex County and Andover Town records · APN ANDO M:00010 B:00006 L:0000C
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 34 GRAY RD, ANDOVER, MA 01810-2219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 23, 2025 | Deed of Trust, Mortgage · Line of Credit BERKSHIRE BANK |
| Feb 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 23, 2011 · Amount on Record |
| Deed Sale | Nov 23, 2011 · Amount on Record |
| Deed Document Number | 20112 |
| Deed Book / Page | 12711 / 43 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 34 GRAY RD, ANDOVER, MA 01810-2219 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 018285-174 |
|---|---|
| Date | May 23, 2025 |
| Book Page | 18285/174 |
| Instrument | 8187 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 34 GRAY RD, ANDOVER, MA 01810-2219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16749-343 |
|---|---|
| Date | Feb 03, 2021 |
| Book Page | 16749/343 |
| Instrument | 3871 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
Source: Essex County and Andover Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,492.00 (+8.56%) | $1,160,300 (+11.95%) Land $566,300 Building $594,000 | $957,220 |
| 2024 | $13,349.00 (+4.46%) | $1,036,400 (+10.79%) Land $508,300 Building $528,100 | |
| 2023 | $12,779.00 | $935,500 Land $457,800 Building $477,700 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092543021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 67% of the US · above 98.2% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 26 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ANDOVER WATER DEPT serves 36,569 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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