Essex County and Andover Town property record for 45 School St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,674 sqft · built 1949 |
| Lot Size | 0.335 acres (14,580 sqft) |
| Owner | Individual Name on File |
| Last Sale | $630,000 (Aug 2009) |
| Tax Bill | $17,430 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Aug 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00055 B:00116 L:00000 |
| Primary APN | ANDO M:00055 B:00116 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,674 sqft Living Area |
| Gross Area | 4,669 sqft |
| Basement Area | 1,356 sqft |
| Unfinished Basement | 949 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,580 sqft (0.335 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 45 SCHOOL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-4036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 116 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 254200 |
Source: Essex County and Andover Town records, as of July 20, 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 | Individual Name on File |
|---|---|
| Mailing Address | 45 SCHOOL ST, ANDOVER, MA 01810-4036 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 29, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2009 · Amount on File |
| Deed Sale | Aug 14, 2009 · Amount on File |
| Deed Book / Page | 11733 / 310 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 45 SCHOOL ST, ANDOVER, MA 01810-4036 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0018520-89 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 18520/89 |
| Instrument | 2929 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 157 Months |
| Due | Mar 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 45 SCHOOL ST, ANDOVER, MA 01810-4036 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 017820-219 |
|---|---|
| Date | Aug 29, 2023 |
| Book Page | 17820/219 |
| Instrument | 14074 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2038 |
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 | $17,430.00 (+7.37%) | $1,395,500 (+10.72%) Land $836,800 Building $558,700 | $1,255,425 |
| 2024 | $16,234.00 (+4.82%) | $1,260,400 (+11.17%) Land $763,200 Building $497,200 | |
| 2023 | $15,488.00 | $1,133,800 Land $687,500 Building $446,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 2 (1978) |
| Most Recent Claim | Feb 1978 · Coastal Storms, Flood, Ice & Snow |
| Claims by Event |
|
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: 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 | None beyond ember reach |
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 190 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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