Essex County and Andover Town property record for 440 S Main St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,252 sqft · built 1957 |
| Lot Size | 0.698 acres (30,401 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $343,000 (Mar 2015) |
| Tax Bill | $6,766 (2025) |
| Deeds & Mortgages | Oct 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00063 B:00051 L:00000 |
| Primary APN | ANDO M:00063 B:00051 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,252 sqft Living Area |
| Gross Area | 2,494 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,401 sqft (0.698 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 440 S MAIN ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-6119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 51 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 254302 |
440 S Main St is owned and occupied by two individuals who bought it in March 2015.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 S MAIN ST, ANDOVER, MA 01810-6119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2015 · Amount on File |
| Deed Sale | Mar 12, 2015 · Amount on File |
| Prior Sale | Sep 5, 1989 · Amount on File |
| Deed Book / Page | 14156 / 33 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 440 S MAIN ST, ANDOVER, MA 01810-6119 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16526-289 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 16526/289 |
| Instrument | 26745 |
| Name | BANK OF ENGLAND |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2035 |
The 2025 property tax bill for 440 S Main St was $6,766, up 3% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,766.00 (+2.98%) | $541,700 (+6.19%) Land $316,900 Building $224,800 | $577,125 |
| 2024 | $6,570.00 (+2.96%) | $510,100 (+9.21%) Land $295,100 Building $215,000 | |
| 2023 | $6,381.00 | $467,100 Land $273,300 Building $193,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 S Main St in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 risk around 440 S Main St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 146 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 / 250 |
5G (outdoors only) and 4G LTE
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