45 Cheever Cir, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 45 Cheever Cir, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,514 sqft · built 1939
Lot Size	0.383 acres (16,701 sqft)
Owner	2 Company Names on Record
Last Sale	$1,505,000 (Jun 2026)
Tax Bill	$14,390 (2025)
Deeds & Mortgages	Jun 2026 Sale Feb 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00020 B:00100 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00020 B:00100 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,514 sqft Living Area
Gross Area	4,512 sqft
Basement Area	196 sqft
Unfinished Basement	196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,701 sqft (0.383 acres)
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 CHEEVER CIR
City	ANDOVER
State	MA
Zip	01810-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	JOHNSON ACRES
Legal Block	100
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254100

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 Company Names on Record
Mailing Address	45 CHEEVER CIR, ANDOVER, MA 01810-1725
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Quit Claim Deed, Transfer
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 14, 2019	Deed of Trust, Mortgage · Balloon Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Apr 4, 1997 · Amount on Record
Deed Document Number	202610510
Deed Book / Page	18618 / 201
Prior Transfer Date	Jun 12, 2025
Prior Transfer Doc	018304-182
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 25, 2026
Property Address	45 CHEEVER CIR, ANDOVER, MA 01810-1725
Document Number	0000010510
Book / Page	18618 / 201
Instrument Date	Jun 17, 2026
Instrument	202610510
Transaction Type	Transfer
Record Updated	Jul 15, 2026

Transaction

Amount	Amount Recorded
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	45 CHEEVER CIR, ANDOVER, MA 01810-1725

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	45 CHEEVER CIR, ANDOVER, MA 01810-1725
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018508-341
Date	Feb 11, 2026
Book Page	18508/341
Instrument	2128

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	45 CHEEVER CIR, ANDOVER, MA 01810-1725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15733-16
Date	Jan 14, 2019
Book Page	15733/16
Instrument	836

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Balloon 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	Assessed Market Value
2025	$14,390.00 (+6.08%)	$1,152,100 (+9.39%) Land $656,800 Building $495,300	$1,241,365
2024	$13,565.00 (+4.61%)	$1,053,200 (+10.94%) Land $612,100 Building $441,100
2023	$12,967.00	$949,300 Land $551,300 Building $398,000

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	4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 231 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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