43 Gray Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 43 Gray Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,096 sqft · built 1975
Lot Size	1 acres (43,669 sqft)
Owner	2 Individual Names on Record
Last Sale	$512,500 (Jan 2016)
Tax Bill	$11,217 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00011 B:00001 L:0000C`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00011 B:00001 L:0000C`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,096 sqft Living Area
Gross Area	4,310 sqft
Basement Area	1,178 sqft
Unfinished Basement	1,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,669 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	43 GRAY RD
City	ANDOVER
State	MA
Zip	01810-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	ANDOVER
Legal Block	1
Legal Lot Number	C
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1019
Census Tract	254302

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	43 GRAY RD, ANDOVER, MA 01810-2234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Apr 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2016 · Amount on Record
Deed Sale	Jan 4, 2016 · Amount on Record
Prior Sale	Aug 26, 2011
Deed Document Number	201677
Deed Book / Page	14496 / 62
Transfer Doc	0014496-62
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	43 GRAY RD, ANDOVER, MA 01810-2234
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018537-224
Date	Mar 24, 2026
Book Page	18537/224
Instrument	4271

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	43 GRAY RD, ANDOVER, MA 01810-2234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16275-317
Date	Apr 24, 2020
Book Page	16275/317
Instrument	9440

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$11,217.00 (+5.99%)	$898,100 (+9.3%) Land $538,400 Building $359,700	$824,695
2024	$10,583.00 (+4.25%)	$821,700 (+10.56%) Land $483,300 Building $338,400
2023	$10,152.00	$743,200 Land $435,300 Building $307,900

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 Policies	6 in force
Nearby Flood Claims	2 (1996–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2022 · rainfall accumulation

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 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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