44 River St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 44 River St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,346 sqft · built 1990
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Trust Names on File
Last Sale	$219,000 (Feb 2000)
Tax Bill	$7,754 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00139 B:00071 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00139 B:00071 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,346 sqft Living Area
Gross Area	2,121 sqft
Basement Area	524 sqft
Unfinished Basement	524 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	44 RIVER ST
City	ANDOVER
State	MA
Zip	01810-5908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	71
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2004
Census Tract	254301

Owner

44 River St is owner-occupied and held in a trust since October 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	44 RIVER ST, ANDOVER, MA 01810-5908
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Sep 4, 2025	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Nov 5, 2025	Quit Claim Deed, Transfer Quitclaim
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2000 · Amount on File
Deed Sale	Feb 29, 2000 · Amount on File
Prior Sale	Apr 29, 1998 · Amount on File
Deed Book / Page	5689 / 12
Last Transfer Date	Oct 24, 2025
Transfer Doc	018430-304
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	44 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018376-134
Date	Sep 4, 2025
Book Page	18376/134
Instrument	15337

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	44 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018411-16
Date	Oct 16, 2025
Book Page	18411/16
Instrument	18024

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 5, 2025
Property Address	44 RIVER ST, ANDOVER, MA 01810-5908
Document Number	018430-304
Book / Page	18430 / 304
Instrument Date	Oct 24, 2025
Instrument	19442
Transaction Type	Transfer
Record Updated	Nov 26, 2025

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	44 RIVER ST, ANDOVER, MA 01810-5908

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	44 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00017807-5
Date	Aug 11, 2023
Book Page	17807/5
Instrument	12927

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 44 River St was $7,754, up 0.9% 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	$7,754.00 (+0.87%)	$620,800 (+4.02%) Land $321,900 Building $298,900	$629,660
2024	$7,687.00 (+2.73%)	$596,800 (+8.94%) Land $314,200 Building $282,600
2023	$7,483.00	$547,800 Land $291,000 Building $256,800

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

Flood

FEMA maps place 44 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 44 River St is low, with less than 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 97% of the US · lower than 94% 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 78 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 / 2,000

May also be available: T-Mobile.

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