Essex County and Andover Town property record for 40 Cross St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,092 sqft · built 1973 |
| Lot Size | 1.03 acres (44,910 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $479,900 (May 2009) |
| Tax Bill | $10,588 (2025) |
| Deeds & Mortgages | Jul 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00207 B:00022 L:00000 |
| Primary APN | ANDO M:00207 B:00022 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,092 sqft Living Area |
| Gross Area | 4,772 sqft |
| Basement Area | 1,968 sqft |
| Unfinished Basement | 1,140 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 44,910 sqft (1.03 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 40 CROSS ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Subdivision | ANDOVER HILLS SEC 02 |
| Legal Block | 22 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 254402 |
40 Cross St is held in a trust since July 2023.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 59 MAIN ST, ATKINSON, NH 03811-2517 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2009 · Amount on File |
| Deed Sale | May 21, 2009 · Amount on File |
| Prior Sale | Jun 16, 2000 · Amount on File |
| Deed Document Number | 200913873 |
| Deed Book / Page | 11601 / 9 |
| Last Transfer Date | Jul 5, 2023 |
| Transfer Doc | 0017779-41 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jul 6, 2023 |
| Property Address | 40 CROSS ST, ANDOVER, MA 01810-3251 |
| Document Number | 0017779-41 |
| Book / Page | 17779 / 41 |
| Instrument Date | Jul 5, 2023 |
| Instrument | 10633 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 59 MAIN ST, ATKINSON, NH 03811-2517 |
The 2025 property tax bill for 40 Cross St was $10,588, up 3.9% 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 | $10,588.00 (+3.93%) | $847,700 (+7.17%) Land $457,900 Building $389,800 | $1,025,240 |
| 2024 | $10,188.00 (+1.62%) | $791,000 (+7.77%) Land $444,800 Building $346,200 | |
| 2023 | $10,026.00 | $734,000 Land $400,800 Building $333,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Cross St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.
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 | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 1996 · Extreme Weather Conditons 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 40 Cross St is low, with less than 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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 49 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 |
5G (outdoors only) and 4G LTE
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