Essex County and Andover Town property record for 4 Cottage Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,313 sqft · built 1918 |
| Lot Size | 1.32 acres (57,482 sqft) |
| Owner | Trust Name on File |
| Last Sale | $475,000 (Oct 2020) |
| Tax Bill | $11,482 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer Jul 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00083 B:00037 L:00000 |
| Primary APN | ANDO M:00083 B:00037 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,313 sqft Living Area |
| Gross Area | 5,241 sqft |
| Basement Area | 1,798 sqft |
| Unfinished Basement | 1,798 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 57,482 sqft (1.32 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 4 COTTAGE RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-6109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 37 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 254301 |
4 Cottage Rd is owner-occupied and held in a trust since August 2022.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4 COTTAGE RD, ANDOVER, MA 01810-6109 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Aug 1, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Jul 30, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2020 · Amount on File |
| Deed Sale | Oct 2, 2020 · Amount on File |
| Prior Sale | Jul 30, 2018 |
| Deed Book / Page | 39015 / 3 |
| Last Transfer Date | Aug 1, 2022 |
| Transfer Doc | 017526-185 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Aug 1, 2022 |
| Property Address | 4 COTTAGE RD, ANDOVER, MA 01810-6109 |
| Document Number | 017526-185 |
| Book / Page | 17526 / 185 |
| Instrument Date | Aug 1, 2022 |
| Instrument | 18327 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 COTTAE RD, ANDOVER, MA 01810-6109 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jul 30, 2018 |
| Property Address | 4 COTTAGE RD, ANDOVER, MA 01810-6109 |
| Document Number | 15565-199 |
| Book / Page | 015565 / 000199 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 94 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 4 COTTAGE RD ANDOVER MA 018106109, ANDOVER, MA 01810-6109 |
The 2025 property tax bill for 4 Cottage Rd was $11,482, up 15.7% 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 | $11,482.00 (+15.65%) | $919,300 (+19.27%) Land $357,800 Building $561,500 | $1,067,515 |
| 2024 | $9,928.00 (+4.59%) | $770,800 (+10.92%) Land $270,200 Building $500,600 | |
| 2023 | $9,492.00 | $694,900 Land $243,400 Building $451,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Cottage Rd in Zone X, an area of minimal flood risk, though there have been 3 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 | 3 in force |
| Nearby Flood Claims | 3 (1987–2010) |
| Claims Outside the SFHA | 3 of 3 |
| 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.
Wildfire risk around 4 Cottage Rd is low, with a 0.02% 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 | 0.02% 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 93 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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