40 William St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 40 William St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 4,472 sqft · built 1950
Lot Size	0.845 acres (36,813 sqft)
Owner	2 Company Names on Record
Last Sale	$544,900 (Dec 2003)
Tax Bill	$15,519 (2025)
Deeds & Mortgages	May 2022 Line of Credit Feb 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00052 B:00112 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00052 B:00112 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,472 sqft Living Area
Gross Area	7,768 sqft
Basement Area	2,438 sqft
Unfinished Basement	1,463 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,813 sqft (0.845 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 WILLIAM ST
City	ANDOVER
State	MA
Zip	01810-2549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	112
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	4
Census Block	4006
Census Tract	254100

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 Company Names on Record
Mailing Address	40 WILLIAM ST, ANDOVER, MA 01810-2549
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS NEWBURYPORT
Feb 5, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 21, 2018	Quit Claim Deed, Transfer Quitclaim
Jul 10, 2017	Quit Claim Deed, Transfer USA ALLIANCE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2003 · Amount on Record
Deed Sale	Dec 12, 2003 · Amount on Record
Last Transfer Date	Dec 23, 2020
Transfer Doc	16756-110
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	40 WILLIAM ST, ANDOVER, MA 01810-2549
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017431-48
Date	May 2, 2022
Book Page	17431/48
Instrument	10540

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Feb 5, 2021
Property Address	40 WILLIAM ST, ANDOVER, MA 01810-2549
Document Number	16756-110
Book / Page	16756 / 110
Instrument Date	Dec 23, 2020
Instrument	4270
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	40 WILLIAM ST, ANDOVER, MA 01810-2549

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 30, 2020
Property Address	40 WILLIAM ST, ANDOVER, MA 01810-2549
Document Number	16286-222
Book / Page	016286 / 000222
Instrument Date	Apr 24, 2020
Instrument	10089
Transaction Type	Transfer
Record Updated	May 19, 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
Address	40 WILLIAM ST ANDOVER MA 018102549, ANDOVER, MA 01810-2549

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Feb 21, 2018
Property Address	40 WILLIAM ST, ANDOVER, MA 01810-2549
Document Number	15394-177
Book / Page	015394 / 000177
Instrument Date	Feb 16, 2018
Instrument	3931
Transaction Type	Transfer
Record Updated	Mar 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WILLIAM ST ANDOVER MA 018102549, ANDOVER, MA 01810-2549

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 10, 2017
Property Address	40 WILLIAM ST, ANDOVER, MA 01810-2549
Document Number	15145-58
Book / Page	15145 / 58
Instrument	17265
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$96.01
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WILLIAM ST, ANDOVER, MA 01810-2549

Mortgage

Document Number	15145-60
Date	Jul 10, 2017
Book Page	15145/60
Instrument	17266

Lender

Name	USA ALLIANCE FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Jul 1, 2048

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	$15,519.00 (+6.35%)	$1,242,500 (+9.66%) Land $643,800 Building $598,700	$1,217,235
2024	$14,593.00 (+4.74%)	$1,133,000 (+11.08%) Land $589,800 Building $543,200
2023	$13,933.00	$1,020,000 Land $531,200 Building $488,800

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 92% 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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