55 Gray Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 55 Gray Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,405 sqft · built 1967
Lot Size	1 acres (43,647 sqft)
Owner	2 Individual Names on Record
Last Sale	$734,000 (Jun 2019)
Tax Bill	$11,627 (2025)
Deeds & Mortgages	Nov 2021 Refinance Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00012 B:00004 L:0000B`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00012 B:00004 L:0000B`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,405 sqft Living Area
Gross Area	3,104 sqft
Basement Area	1,324 sqft
Unfinished Basement	265 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,647 sqft (1 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	55 GRAY RD
City	ANDOVER
State	MA
Zip	01810-2218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Subdivision	ANDOVER
Legal Block	4
Legal Lot Number	B
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1017
Census Tract	254302

Owner

Source: Essex County and Andover Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	55 GRAY RD, ANDOVER, MA 01810-2218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Jun 14, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Dec 16, 2016	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Prior Sale	Sep 29, 2011 · Amount on Record
Deed Document Number	201913414
Deed Book / Page	15882 / 87
Prior Transfer Date	Jun 12, 2019
Prior Transfer Doc	15882-87
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	55 GRAY RD, ANDOVER, MA 01810-2218
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017246-269
Date	Nov 29, 2021
Book Page	17246/269
Instrument	38796

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

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

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 14, 2019
Property Address	55 GRAY RD, ANDOVER, MA 01810-2218
Document Number	15882-87
Book / Page	15882 / 87
Instrument Date	Jun 12, 2019
Instrument	13414
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 GRAY RD, ANDOVER, MA 01810-2218

Mortgage

Document Number	13415
Date	Jun 14, 2019
Instrument	13415

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	55 GRAY RD, ANDOVER, MA 01810-2218
Document Number	14953-73
Book / Page	014953 / 000073
Instrument Date	Dec 16, 2016
Transaction Type	Mortgage
Record Updated	Feb 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14953-73
Date	Jan 12, 2017
Book Page	014953/000073
Instrument	1038

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$11,627.00 (+8.11%)	$930,900 (+11.49%) Land $509,800 Building $421,100	$881,980
2024	$10,755.00 (+4.48%)	$835,000 (+10.8%) Land $457,600 Building $377,400
2023	$10,294.00	$753,600 Land $412,100 Building $341,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Direct burnable vegetation

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

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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