Essex County and Andover Town property record for 5 Downing St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,812 sqft · built 1964 |
| Lot Size | 0.346 acres (15,072 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $460,000 (Jun 2015) |
| Tax Bill | $9,095 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit May 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00004 B:00084 L:00000 |
| Primary APN | ANDO M:00004 B:00084 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| Gross Area | 4,346 sqft |
| Basement Area | 1,080 sqft |
| Unfinished Basement | 540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,072 sqft (0.346 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 5 DOWNING ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 84 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 254200 |
5 Downing St is held in a trust since June 2015.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2 SENECA RD, PEABODY, MA 01960-1821 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 26, 2022 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| May 3, 2018 | Deed of Trust, Mortgage DIGITAL FCU |
| Apr 6, 2020 | Deed of Trust, Mortgage · ARM EASTERN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2015 · Amount on File |
| Deed Sale | Jun 12, 2015 · Amount on File |
| Prior Sale | Nov 25, 1992 · Amount on File |
| Deed Book / Page | 14260 / 91 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 5 DOWNING ST, ANDOVER, MA 01810-1816 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 017519-239 |
|---|---|
| Date | Jul 26, 2022 |
| Book Page | 17519/239 |
| Instrument | 17743 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 5 DOWNING ST, ANDOVER, MA 01810-1816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15469-102 |
|---|---|
| Date | May 3, 2018 |
| Book Page | 15469/102 |
| Instrument | 10198 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | May 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 5 DOWNING ST, ANDOVER, MA 01810-1816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16253-309 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 16253/309 |
| Instrument | 8162 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | May 1, 2030 |
The 2025 property tax bill for 5 Downing St was $9,095, up 6.6% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,095.00 (+6.59%) | $728,200 (+9.92%) Land $455,200 Building $273,000 | $786,030 |
| 2024 | $8,533.00 (+8.3%) | $662,500 (+14.86%) Land $408,600 Building $253,900 | |
| 2023 | $7,879.00 | $576,800 Land $368,000 Building $208,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Downing St in Zone X, an area of minimal flood risk.
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 | 3 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 risk around 5 Downing St 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 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 193 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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