Essex County and Andover Town property record for 45 Gray Rd, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,537 sqft · built 1981 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (May 2017) |
| Tax Bill | $11,229 (2025) |
| Deeds & Mortgages | Jul 2024 Mortgage Sep 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00011 B:00001 L:0000B |
| Primary APN | ANDO M:00011 B:00001 L:0000B |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,537 sqft Living Area |
| Gross Area | 3,180 sqft |
| Basement Area | 998 sqft |
| Unfinished Basement | 499 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 GRAY RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-2234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRC |
| Legal Block | 1 |
| Legal Lot Number | B |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 254302 |
Source: Essex County and Andover Town records · APN ANDO M:00011 B:00001 L:0000B
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 437 S BROADWAY, LAWRENCE, MA 01843-3524 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 12, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU |
| Sep 06, 2018 | Deed of Trust, Mortgage FEDERAL SAVINGS BANK |
| Mar 13, 2017 | Foreclosure |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2017 · Amount on Record |
| Deed Sale | May 22, 2017 · Amount on Record |
| Prior Sale | Mar 13, 2017 · Amount on Record |
| Deed Document Number | 201712461 |
| Deed Book / Page | 15087 / 269 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 45 GRAY RD, ANDOVER, MA 01810-2234 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0018039-29 |
|---|---|
| Date | Jul 12, 2024 |
| Book Page | 18039/29 |
| Instrument | 11323 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 45 GRAY RD, ANDOVER, MA 01810-2234 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 015608-207 |
|---|---|
| Date | Sep 06, 2018 |
| Book Page | 15608/207 |
| Instrument | 21825 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 01, 2048 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Mar 13, 2017 |
| Property Address | 45 GRAY RD, ANDOVER, MA 01810-2234 |
| Document Number | 15012-286 |
| Book / Page | 015012 / 000286 |
| Instrument Date | Dec 19, 2016 |
| Instrument | 6326 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 04, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,848.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 425 PHILLIPS BLVD EWING NJ 086181430, EWING, NJ 08618-1430 |
Source: Essex County and Andover Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,229.00 (+5.19%) | $899,000 (+8.47%) Land $538,000 Building $361,000 | $894,425 |
| 2024 | $10,675.00 (+4.39%) | $828,800 (+10.71%) Land $482,900 Building $345,900 | |
| 2023 | $10,226.00 | $748,600 Land $434,900 Building $313,700 |
Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (1996–2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 2022 · rainfall accumulation |
| Wildfire Risk | Low lower than 67% of the US · above 98.2% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
May also be available: T-Mobile USA.
Based on FCC filings for 114 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ANDOVER WATER DEPT serves 36,569 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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