Essex County and Andover Town property record for 48 Gray Rd, Andover, MA 01810 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,554 sqft · built 1970 |
| Lot Size | 1.03 acres (44,954 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Sep 2023) |
| Tax Bill | $9,891 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00010 B:00006 L:0000F |
| Primary APN | ANDO M:00010 B:00006 L:0000F |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,554 sqft Living Area |
| Gross Area | 3,390 sqft |
| Basement Area | 1,672 sqft |
| Unfinished Basement | 836 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,954 sqft (1.03 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 48 GRAY RD |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-2219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | ANDOVER |
| Legal Block | 6 |
| Legal Lot Number | F |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 254302 |
Source: Essex County and Andover Town records · APN ANDO M:00010 B:00006 L:0000F
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 | 48 GRAY RD, ANDOVER, MA 01810-2219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 08, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 29, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| Oct 28, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2023 · Amount on Record |
| Deed Sale | Sep 29, 2023 · Amount on Record |
| Prior Sale | Nov 13, 1998 · Amount on Record |
| Deed Book / Page | 17845 / 252 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 48 GRAY RD, ANDOVER, MA 01810-2219 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 017694-130 |
|---|---|
| Date | Mar 08, 2023 |
| Book Page | 17694/130 |
| Instrument | 3363 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Sep 29, 2023 |
| Property Address | 48 GRAY RD, ANDOVER, MA 01810-2219 |
| Document Number | 017845-252 |
| Book / Page | 17845 / 252 |
| Instrument Date | Sep 29, 2023 |
| Instrument | 16176 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 48 GRAY RD, ANDOVER, MA 01810-2219 |
| Document Number | 0000016177 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 16177 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 48 GRAY RD, ANDOVER, MA 01810-2219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 16568-74 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 16568/74 |
| Instrument | 29589 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Rate Type | Adjustable Rate |
|---|
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 | $9,891.00 (+1.82%) | $791,900 (+5%) Land $509,800 Building $282,100 | $855,855 |
| 2024 | $9,714.00 (+3.97%) | $754,200 (+10.26%) Land $483,000 Building $271,200 | |
| 2023 | $9,343.00 | $684,000 Land $435,000 Building $249,000 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092543021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 above 32% of the US · above 98% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 3,704 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fiber | 2,300 / 2,300 |
| Xfinity | Cable | 1,200 / 35 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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