48 Prospect Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 48 Prospect Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,644 sqft · built 1959
Lot Size	0.575 acres (25,034 sqft)
Owner	2 Individual Names on File
Last Sale	$492,500 (Oct 2014)
Tax Bill	$9,497 (2025)
Deeds & Mortgages	Jan 2021 Refinance Aug 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00008 B:00002 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00008 B:00002 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,644 sqft Living Area
Gross Area	5,017 sqft
Basement Area	1,617 sqft
Unfinished Basement	926 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	25,034 sqft (0.575 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	48 PROSPECT RD
City	ANDOVER
State	MA
Zip	01810-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	2
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1002
Census Tract	254302

Owner

Source: Essex County and Andover Town assessment roll, as of April 14, 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 PROSPECT RD, ANDOVER, MA 01810-2226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance INLAND BANK & TRUST
Aug 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2014 · Amount on Record
Deed Sale	Oct 29, 2014 · Amount on Record
Prior Sale	Aug 20, 2004 · Amount on Record
Deed Book / Page	14024 / 293
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	48 PROSPECT RD, ANDOVER, MA 01810-2226
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0016720-94
Date	Jan 19, 2021
Book Page	16720/94
Instrument	1917

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	48 PROSPECT RD, ANDOVER, MA 01810-2226
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0017538-20
Date	Aug 12, 2022
Book Page	17538/20
Instrument	19279

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$9,497.00 (+2.14%)	$760,400 (+5.33%) Land $399,000 Building $361,400	$950,950
2024	$9,298.00 (+4.51%)	$721,900 (+10.84%) Land $393,700 Building $328,200
2023	$8,897.00	$651,300 Land $354,600 Building $296,700

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	6 in force
Nearby Flood Claims	2 (1996–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2022 · rainfall accumulation

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 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Prospect Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures