40 Gray Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 40 Gray Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,092 sqft · built 1970
Lot Size	3.66 acres (159,430 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Jul 2026)
Tax Bill	$12,913 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00010 B:00006 L:0000H`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00010 B:00006 L:0000H`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,092 sqft Living Area
Gross Area	6,224 sqft
Basement Area	1,270 sqft
Unfinished Basement	1,270 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Exterior Material	Combination
Construction Type	Frame
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	159,430 sqft (3.66 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 GRAY RD
City	ANDOVER
State	MA
Zip	01810-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	6
Legal Lot Number	H
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1016
Census Tract	254302

Owner

Source: Essex County and Andover Town records · APN ANDO M:00010 B:00006 L:0000H

Assessment roll updated April 14, 2026 · Last verified August 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	40 GRAY RD, ANDOVER, MA 01810-2219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 29, 2026 · Amount on Record
Deed Sale	Jul 29, 2026 · Amount on Record
Prior Sale	Apr 01, 1978 · Amount on Record
Deed Document Number	202612832
Deed Book / Page	18649 / 180
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 29, 2026
Property Address	40 GRAY RD, ANDOVER, MA 01810-2219
Document Number	0000012832
Book / Page	18649 / 180
Instrument Date	Jul 06, 2026
Instrument	202612832
Transaction Type	Transfer
Record Updated	Aug 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	40 GRAY RD, ANDOVER, MA 01810-2219

Mortgage

Date	Jul 29, 2026

Lender

Name	MORGAN STANLEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Initial Type	Adjustable Rate
Type Change Date	Aug 01, 2033
Index	Other
Margin	3
Max Rate	-1%

Tax Assessment & Valuation

Source: Essex County and Andover Town records · Assessment roll updated April 14, 2026 · Last verified August 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

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	$12,913.00 (+8%)	$1,033,900 (+11.38%) Land $579,200 Building $454,700	$933,185
2024	$11,957.00 (+3.81%)	$928,300 (+10.09%) Land $522,000 Building $406,300
2023	$11,518.00	$843,200 Land $474,000 Building $369,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · 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

Based on FCC filings for 26 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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

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 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.