4 Talbot Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 4 Talbot Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,628 sqft · built 1964
Lot Size	0.824 acres (35,902 sqft)
Owner	2 Individual Names on Record
Last Sale	$852,500 (Nov 2023)
Tax Bill	$10,769 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jan 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00136 B:00022 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00136 B:00022 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,628 sqft Living Area
Gross Area	4,222 sqft
Basement Area	1,428 sqft
Finished Basement	1,152 sqft
Unfinished Basement	276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	35,902 sqft (0.824 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	4 TALBOT RD
City	ANDOVER
State	MA
Zip	01810-5523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	22
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1016
Census Tract	254403

Owner

Source: Essex County and Andover Town records, as of July 20, 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 Record
Mailing Address	4 TALBOT RD, ANDOVER, MA 01810-5523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEEDHAM BANK
Jan 22, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 22, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 22, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 29, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Prior Sale	Aug 28, 1968 · Amount on Record
Deed Book / Page	17872 / 1
Prior Transfer Date	Dec 22, 2020
Prior Transfer Doc	16726-220
Record Updated	Sep 20, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 8, 2023
Property Address	4 TALBOT RD, ANDOVER, MA 01810-5523
Document Number	00017872-1
Book / Page	17872 / 1
Instrument Date	Nov 8, 2023
Instrument	18568
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 TALBOT RD, ANDOVER, MA 01810-5523

Mortgage

Document Number	0000018569
Date	Nov 8, 2023
Instrument	18569

Lender

Name	NEEDHAM BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Type Change Date	Dec 1, 2028
Max Rate At Change	2.75%
Index	5-Year CMT

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 22, 2021
Property Address	4 TALBOT RD, ANDOVER, MA 01810-5523
Document Number	16726-218
Book / Page	16726 / 218
Instrument Date	Dec 22, 2020
Instrument	2324
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 TALBOT RD, ANDOVER, MA 01810-5523

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 22, 2021
Property Address	4 TALBOT RD, ANDOVER, MA 01810-5523
Document Number	16726-156
Book / Page	16726 / 156
Instrument Date	Dec 22, 2020
Instrument	2319
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4 TALBOT RD, ANDOVER, MA 01810-5523

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 22, 2021
Property Address	4 TALBOT RD, ANDOVER, MA 01810-5523
Document Number	16726-220
Book / Page	16726 / 220
Instrument Date	Dec 22, 2020
Instrument	2325
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 TALBOT RD, ANDOVER, MA 01810-5523

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Oct 29, 2019
Property Address	4 TALBOT RD, ANDOVER, MA 01810-5523
Document Number	16056-314
Book / Page	016056 / 000314
Instrument Date	Oct 23, 2019
Instrument	26895
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	2 LIBERTY DR SOUTHBOROUGH MA 017724006, SOUTHBOROUGH, MA 01772-4006

Tax Assessment & Valuation

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	$10,769.00 (+8.81%)	$862,200 (+12.21%) Land $509,600 Building $352,600	$928,245
2024	$9,897.00 (+4.33%)	$768,400 (+10.66%) Land $457,500 Building $310,900
2023	$9,486.00	$694,400 Land $412,000 Building $282,400

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

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	13 (1983–2010)
Claims Outside the SFHA	9 of 13
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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.

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 156 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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