405 S Main St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 405 S Main St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,664 sqft · built 1983
Lot Size	0.379 acres (16,501 sqft)
Owner	2 Individual Names on File
Last Sale	$705,000 (Oct 2021)
Tax Bill	$8,568 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00082 B:00020 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00082 B:00020 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
Gross Area	2,200 sqft
Basement Area	640 sqft
Unfinished Basement	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,501 sqft (0.379 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	405 S MAIN ST
City	ANDOVER
State	MA
Zip	01810-6105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	20
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2014
Census Tract	254301

Owner

405 S Main St is owned and occupied by two individuals who bought it in October 2021.

Source: Essex County and Andover Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 S MAIN ST, ANDOVER, MA 01810-6105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Oct 28, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	Sep 3, 2015 · Amount on File
Deed Book / Page	17203 / 108
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	405 S MAIN ST, ANDOVER, MA 01810-6105
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016962-250
Date	Jun 4, 2021
Book Page	16962/250
Instrument	18529

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Oct 28, 2021
Property Address	405 S MAIN ST, ANDOVER, MA 01810-6105
Document Number	17203-108
Book / Page	17203 / 108
Instrument Date	Oct 28, 2021
Instrument	35723
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Amount	Amount on Record
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	Joint Tenants with Right of Survivorship
Address	405 S MAIN ST, ANDOVER, MA 01810-6105

Mortgage

Document Number	35724
Date	Oct 28, 2021
Instrument	35724

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 405 S Main St was $8,568, up 0.4% from the year before.

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	$8,568.00 (+0.37%)	$686,000 (+3.52%) Land $372,100 Building $313,900	$838,660
2024	$8,536.00 (+2.74%)	$662,700 (+8.96%) Land $367,900 Building $294,800
2023	$8,308.00	$608,200 Land $340,600 Building $267,600

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

Flood

FEMA maps place 405 S Main St 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

Wildfire risk around 405 S Main St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

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 146 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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