489 S Main St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 489 S Main St, Andover, MA 01810 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,270 sqft · built 1911
Lot Size	1.93 acres (84,376 sqft)
Owner	Individual Name on File
Tax Bill	$9,074 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Feb 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00102 B:00008 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00102 B:00008 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,270 sqft Living Area
Gross Area	3,986 sqft
Basement Area	984 sqft
Unfinished Basement	984 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	84,376 sqft (1.93 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	489 S MAIN ST
City	ANDOVER
State	MA
Zip	01810-6256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2007
Census Tract	254302

Owner

Source: Essex County and Andover Town records · APN ANDO M:00102 B:00008 L:00000

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	Individual Name on File
Mailing Address	489 S MAIN ST, ANDOVER, MA 01810-6256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 08, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB
Jul 18, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 30, 2017	Quit Claim Deed, Transfer Quitclaim
Sep 11, 2017	Quit Claim Deed, Transfer TD BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jun 15, 2020
Transfer Doc	16357-4
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	489 S MAIN ST, ANDOVER, MA 01810-6256
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017024-347
Date	Jul 12, 2021
Book Page	17024/347
Instrument	23032

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 01, 2046

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	489 S MAIN ST, ANDOVER, MA 01810-6256
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017339-119
Date	Feb 08, 2022
Book Page	17339/119
Instrument	3347

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	489 S MAIN ST, ANDOVER, MA 01810-6256
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017786-324
Date	Jul 18, 2023
Book Page	17786/324
Instrument	11301

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 01, 2048

Interest

Rate Type	Adjustable Rate

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 30, 2017
Property Address	489 S MAIN ST, ANDOVER, MA 01810-6256
Document Number	15315-24
Book / Page	015315 / 000024
Instrument Date	Nov 27, 2017
Instrument	31314
Transaction Type	Transfer
Record Updated	Jan 03, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	489 S MAIN ST ANDOVER MA 018106256, ANDOVER, MA 01810-6256

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Sep 11, 2017
Property Address	489 S MAIN ST, ANDOVER, MA 01810-6256
Document Number	15219-178
Book / Page	15219 / 178
Instrument	23549
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$68.48
Amount Accuracy	Non-Arm's Length Transaction
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15219-180
Date	Sep 11, 2017
Book Page	15219/180
Instrument	23550

Lender

Name	TD BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2047

Tax Assessment & Valuation

Source: Essex County and Andover Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$9,074.00 (+2.17%)	$726,500 (+5.37%) Land $363,000 Building $363,500	$1,174,390
2024	$8,881.00 (+2.97%)	$689,500 (+9.2%) Land $338,300 Building $351,200
2023	$8,625.00	$631,400 Land $314,400 Building $317,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092543022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 93 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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