430 River Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 430 River Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,499 sqft · built 1983
Lot Size	4.03 acres (175,547 sqft)
Owner	Individual Name on File
Last Sale	$1,185,000 (Apr 2022)
Tax Bill	$12,764 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00228 B:00002 L:0000D`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00228 B:00002 L:0000D`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,499 sqft Living Area
Gross Area	6,956 sqft
Basement Area	2,328 sqft
Unfinished Basement	1,792 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	175,547 sqft (4.03 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	430 RIVER RD
City	ANDOVER
State	MA
Zip	01810-4298
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	2
Legal Lot Number	D
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2011
Census Tract	254402

Owner

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	430 RIVER RD, ANDOVER, MA 01810-4298
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SUCCESS MORTGAGE PARTNERS
Jan 28, 2019	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Nov 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 15, 2022 · Amount on Record
Deed Sale	Apr 15, 2022 · Amount on Record
Prior Sale	Aug 4, 2016 · Amount on Record
Deed Book / Page	17414 / 225
Record Updated	Sep 20, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 15, 2022
Property Address	430 RIVER RD, ANDOVER, MA 01810-4298
Document Number	017414-225
Book / Page	17414 / 225
Instrument Date	Apr 15, 2022
Instrument	9258
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	430 RIVER RD, ANDOVER, MA 01810-4298
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009259
Date	Apr 15, 2022
Instrument	9259

Lender

Name	SUCCESS MORTGAGE PARTNERS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	430 RIVER RD, ANDOVER, MA 01810-4298
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15744-194
Date	Jan 28, 2019
Book Page	15744/194
Instrument	1938

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2059

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	430 RIVER RD, ANDOVER, MA 01810-4298
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16622-291
Date	Nov 24, 2020
Book Page	16622/291
Instrument	33459

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 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	$12,764.00 (+1.97%)	$1,021,900 (+5.16%) Land $435,800 Building $586,100	$1,333,990
2024	$12,517.00 (+3.69%)	$971,800 (+9.97%) Land $422,200 Building $549,600
2023	$12,071.00	$883,700 Land $384,800 Building $498,900

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	3 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1996 · Extreme Weather Conditons 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

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	None beyond ember reach

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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

430 River Rd, Andover, MA 01810 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2022: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on River Rd

Nearby Streets

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