396 S Main St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 396 S Main St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,919 sqft · built 1973
Lot Size	0.363 acres (15,834 sqft)
Owner	2 Individual Names on File
Last Sale	$179,100 (Sep 1994)
Tax Bill	$7,935 (2025)
Deeds & Mortgages	Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00062 B:00030 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00062 B:00030 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,919 sqft Living Area
Gross Area	2,736 sqft
Basement Area	1,250 sqft
Unfinished Basement	625 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,834 sqft (0.363 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	396 S MAIN ST
City	ANDOVER
State	MA
Zip	01810-4825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	OAKMONT ESTATES
Legal Block	30
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2000
Census Tract	254302

Owner

396 S Main St is owned and occupied by two individuals who bought it in September 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	396 S MAIN ST, ANDOVER, MA 01810-4825
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 1994 · Amount on File
Deed Sale	Sep 22, 1994 · Amount on File
Prior Sale	Oct 29, 1993 · Amount on File
Deed Book / Page	4131 / 70
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	396 S MAIN ST, ANDOVER, MA 01810-4825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16111-21
Date	Dec 9, 2019
Book Page	16111/21
Instrument	31047

Lender

Name	WAKEFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 396 S Main St was $7,935, up 0.1% 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	$7,935.00 (+0.09%)	$635,300 (+3.22%) Land $370,000 Building $265,300	$803,130
2024	$7,928.00 (+1.46%)	$615,500 (+7.6%) Land $365,800 Building $249,700
2023	$7,814.00	$572,000 Land $338,700 Building $233,300

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

Flood

FEMA maps place 396 S Main St in Zone X, an area of minimal flood risk.

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	1 in force

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 396 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	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 146 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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