44 Stevens St, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 4,784 sqft · built 1907
Lot Size	0.414 acres (18,051 sqft)
Owner	2 Company Names on Record
Last Sale	$18,000,000 (Mar 2020)
Tax Bill	$12,386 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00054 B:00017 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00054 B:00017 L:00000`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	24 Rooms
Units	4 Units
Stories	2 Stories
Building Area	4,784 sqft Living Area
Gross Area	9,892 sqft
Basement Area	2,704 sqft
Unfinished Basement	2,704 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Condo/Apartment
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,051 sqft (0.414 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	44 STEVENS ST
City	ANDOVER
State	MA
Zip	01810-3521
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	SRA
Legal Block	17
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2002
Census Tract	254200

Historic Designation

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

Historic District	Within the Andover Village Industrial District listed 1982 · 82 contributing resources · NRIS 82000476

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 October 9, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	10 S BROADWAY, LAWRENCE, MA 01843-1409
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust
Mar 13, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ARCO PROPERTIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2020 · Amount on Record
Deed Sale	Mar 13, 2020 · Amount on Record
Deed Document Number	20206381
Deed Book / Page	16226 / 278
Prior Transfer Date	Mar 11, 2020
Prior Transfer Doc	016226-278
Record Updated	Oct 29, 2026

July 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Recording Date	Jul 30, 2026
Property Address	44 STEVENS ST, ANDOVER, MA 01810-3521
Document Number	0000012900
Book / Page	18650 / 92
Instrument Date	Jul 30, 2026
Instrument	202612900
Record Updated	Aug 19, 2026

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012900,
Date	Jul 30, 2026
Book Page	18650/92
Instrument	202612900

Lender

Agreement

Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.43%
Max Rate	-1%

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 13, 2020
Property Address	44 STEVENS ST, ANDOVER, MA 01810-3521
Document Number	16226-278
Book / Page	16226 / 278
Instrument Date	Mar 11, 2020
Instrument	6381
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 S BROADWAY, LAWRENCE, MA 01843-1409
Investor	Possibly a Property Investor

Mortgage

Document Number	6384
Date	Mar 13, 2020
Instrument	6384

Lender

Name	ARCO PROPERTIES LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$12,386.00 (+3.51%)	$991,700 (+6.75%) Land $323,200 Building $668,500
2024	$11,966.00 (-2.43%)	$929,000 (+3.48%) Land $315,300 Building $613,700
2023	$12,264.00	$897,800 Land $284,000 Building $613,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 96% of the US · lower than 92% 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 219 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

May also be available: T-Mobile.

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