488 Elbow Pond Rd, Andover, NH 03216 Property Records

Merrimack County and Andover Town property record for 488 Elbow Pond Rd, Andover, NH 03216

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,086 sqft · built 2016
Lot Size	1.98 acres (86,249 sqft)
Owner	2 Trust Names on File
Last Sale	$68,000 (Apr 2009)
Tax Bill	$7,307 (2025)
Deeds & Mortgages	Jun 2021 Refinance Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDV M:00018 B:000065 L:000457`

Property Details

APN / Parcel Number

Primary APN	`ANDV M:00018 B:000065 L:000457`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,086 sqft Living Area
Gross Area	3,492 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Roof Type	Gable
Roof Material	Asphalt
Lot Area	86,249 sqft (1.98 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Street Address	488 ELBOW POND RD
City	ANDOVER
State	NH
Zip	03216-3708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR R
Legal Block	65
Legal Lot Number	457
Jurisdiction	ANDOVER TOWN NH
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1021
Census Tract	42500

Owner

488 Elbow Pond Rd is owner-occupied and held in a trust since April 2009.

Source: Merrimack County and Andover Town records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	488 ELBOW POND RD, ANDOVER, NH 03216-3708
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MASCOMA BANK
Feb 10, 2020	Deed of Trust, Mortgage · Line of Credit MASCOMA BK
Feb 22, 2017	Deed of Trust, Mortgage LEDYARD NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2009 · Amount on File
Deed Sale	Apr 1, 2009 · Amount on File
Deed Book / Page	3119 / 1949
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER TOWN NH
Property Address	488 ELBOW POND RD, ANDOVER, NH 03216-3708
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016667
Date	Jun 28, 2021
Book Page	3746/588
Instrument	202100016667

Lender

Name	MASCOMA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER TOWN NH
Property Address	488 ELBOW POND RD, ANDOVER, NH 03216-3708
Document Number	0036661661
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	488 ELBOW POND RD ANDOVER NH 032163708, ANDOVER, NH 03216-3708

Mortgage

Document Number	0036661661
Date	Feb 24, 2020
Book Page	003666/001661
Instrument	3542

Lender

Name	MASCOMA BK
Address	NEW LONDON, NH 03257

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER TOWN NH
Property Address	488 ELBOW POND RD, ANDOVER, NH 03216-3708
Document Number	0035480218
Book / Page	003548 / 000218
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	488 ELBOW POND RD ANDOVER NH 03216, ANDOVER, NH 03216

Mortgage

Document Number	0035480218
Date	Feb 27, 2017
Book Page	003548/000218
Instrument	3418

Lender

Name	LEDYARD NAT'L BK
Type	Bank
Address	HANOVER, NH 03755

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 488 Elbow Pond Rd was $7,307.

Source: Merrimack County and Andover Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
County Subdivision	Andover Town
Elementary School District	Andover School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,307.00	$498,800 Land $120,500 Building $378,300
2023	$6,476.00 (+8.29%)	$282,200 (-) Land $79,000 Building $203,200	$402,895
2022	$5,980.00	$282,200 Land $79,000 Building $203,200

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

Flood

FEMA maps place 488 Elbow Pond Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 22, 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	5 in force

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

Wildfire risk around 488 Elbow Pond Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 52% of New Hampshire
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NH Broadband Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
TDS Telecom Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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