42 Central St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 42 Central St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,841 sqft · built 1840
Lot Size	0.601 acres (26,162 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,775,000 (Jun 2020)
Tax Bill	$26,188 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Oct 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00055 B:00134 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00055 B:00134 L:00000`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	3 Stories
Building Area	4,841 sqft Living Area
Gross Area	9,444 sqft
Basement Area	2,150 sqft
Unfinished Basement	2,150 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,162 sqft (0.601 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	42 CENTRAL ST
City	ANDOVER
State	MA
Zip	01810-3911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	134
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2021
Census Tract	254200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Street District listed 1982 · 31 contributing resources · NRIS 82000478

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	42 CENTRAL ST, ANDOVER, MA 01810-3911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 14, 2020	Deed of Trust, Mortgage MARCUS & ALICE FT
Jun 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage METHUEN BK
Aug 30, 2017	Deed of Trust, Mortgage CITIZENS BK/RI
Jan 20, 2017	Quit Claim Deed, Transfer CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2020 · Amount on Record
Deed Sale	Jun 15, 2020 · Amount on Record
Prior Sale	Jan 20, 2017 · Amount on Record
Deed Book / Page	16349 / 155
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	42 CENTRAL ST, ANDOVER, MA 01810-3911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15550-175
Date	Jul 16, 2018
Book Page	15550/175
Instrument	16784

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	42 CENTRAL ST, ANDOVER, MA 01810-3911
Document Number	16560-48
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CENTRAL ST ANDOVER MA 018103911, ANDOVER, MA 01810-3911

Mortgage

Document Number	16560-48
Date	Oct 23, 2020
Book Page	016560/000048
Instrument	29049

Lender

Name	MARCUS & ALICE FT

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2035

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 15, 2020
Property Address	42 CENTRAL ST, ANDOVER, MA 01810-3911
Document Number	16349-155
Book / Page	016349 / 000155
Instrument Date	Jun 15, 2020
Instrument	14340
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$8,094.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	42 CENTRAL ST ANDOVER MA 018103911, ANDOVER, MA 01810-3911

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	42 CENTRAL ST, ANDOVER, MA 01810-3911
Document Number	15550-259
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CENTRAL ST ANDOVER MA 018103911, ANDOVER, MA 01810-3911

Mortgage

Document Number	15550-259
Date	Jul 16, 2018
Book Page	015550/000259
Instrument	16808

Lender

Name	METHUEN BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	42 CENTRAL ST, ANDOVER, MA 01810-3911
Document Number	15212-339
Book / Page	015212 / 000339
Instrument Date	Aug 30, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15212-339
Date	Sep 5, 2017
Book Page	015212/000339
Instrument	23020

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 20, 2017
Property Address	42 CENTRAL ST, ANDOVER, MA 01810-3911
Document Number	14963-285
Book / Page	014963 / 000285
Instrument Date	Jan 12, 2017
Instrument	1921
Transaction Type	Transfer
Record Updated	Feb 9, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,263.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CENTRAL ST ANDOVER MA 018103911, ANDOVER, MA 01810-3911

Mortgage

Document Number	14963-290
Date	Jan 20, 2017
Book Page	014963/000290
Instrument	1923

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2047

Interest

Rate	3.5%

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	$26,188.00 (+13.73%)	$2,096,700 (+17.28%) Land $920,200 Building $1,176,500	$2,494,320
2024	$23,026.00 (+4.4%)	$1,787,700 (+10.72%) Land $780,200 Building $1,007,500
2023	$22,055.00	$1,614,600 Land $702,800 Building $911,800

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 · 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 Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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 99.1% of the US · lower than 98.7% 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.

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 171 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 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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