48 Elm St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 48 Elm St, Andover, MA 01810

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 4,124 sqft · built 1880
Lot Size	0.369 acres (16,069 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Dec 2012)
Tax Bill	$13,855 (2025)
Deeds & Mortgages	Mar 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00038 B:00139 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00038 B:00139 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	4,124 sqft Living Area
Gross Area	7,166 sqft
Basement Area	1,716 sqft
Unfinished Basement	1,716 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,069 sqft (0.369 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	48 ELM ST
City	ANDOVER
State	MA
Zip	01810-3661
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SRA
Legal Block	139
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1004
Census Tract	254200

Owner

48 Elm St, a duplex, is owned and occupied by two individuals who acquired it in March 2022.

Source: Essex County and Andover Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48 ELM ST, ANDOVER, MA 01810-3661
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2012 · Amount on File
Deed Sale	Dec 10, 2012 · Amount on File
Prior Sale	Oct 28, 1993 · Amount on File
Deed Book / Page	13252 / 122
Last Transfer Date	Mar 4, 2022
Transfer Doc	0017371-92
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 9, 2022
Property Address	48 ELM ST, ANDOVER, MA 01810-3661
Document Number	0017371-92
Book / Page	17371 / 92
Instrument Date	Mar 4, 2022
Instrument	5895
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48 ELM ST, ANDOVER, MA 01810-3661

Mortgage

Document Number	0000005896
Date	Mar 9, 2022
Instrument	5896

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 48 Elm St was $13,855, up 3.8% from the year before.

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	$13,855.00 (+3.78%)	$1,109,300 (+7.02%) Land $494,400 Building $614,900	$1,019,257
2024	$13,350.00 (-2.35%)	$1,036,500 (+3.57%) Land $483,100 Building $553,400
2023	$13,671.00	$1,000,800 Land $447,400 Building $553,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 48 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms And Flooding

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

The area around 48 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 495 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: AT&T, T-Mobile.

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