55 Prospect Rd, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,732 sqft · built 1950
Lot Size	0.611 acres (26,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Dec 2018)
Tax Bill	$8,642 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00026 B:00018 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00026 B:00018 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,732 sqft Living Area
Gross Area	3,236 sqft
Basement Area	1,268 sqft
Unfinished Basement	1,268 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,624 sqft (0.611 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	55 PROSPECT RD
City	ANDOVER
State	MA
Zip	01810-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	18
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1003
Census Tract	254302

Owner

Source: Essex County and Andover Town records, as of July 20, 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 Record
Mailing Address	55 PROSPECT RD, ANDOVER, MA 01810-2227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2019	Deed of Trust, Mortgage · VA Mortgage CITIZENS BK/RI
Dec 3, 2018	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Book / Page	15697 / 2
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	55 PROSPECT RD, ANDOVER, MA 01810-2227
Document Number	16008-220
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 PROSPECT RD ANDOVER MA 018102227, ANDOVER, MA 01810-2227

Mortgage

Document Number	16008-220
Date	Sep 23, 2019
Book Page	016008/000220
Instrument	23249

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 3, 2018
Property Address	55 PROSPECT RD, ANDOVER, MA 01810-2227
Document Number	15697-2
Book / Page	015697 / 000002
Instrument Date	Nov 13, 2018
Instrument	29221
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,915.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 PROSPECT RD ANDOVER MA 018102227, ANDOVER, MA 01810-2227

Mortgage

Document Number	15697-5
Date	Dec 3, 2018
Book Page	015697/000005
Instrument	29222

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2048

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	$8,642.00 (+1.48%)	$691,900 (+4.64%) Land $404,000 Building $287,900	$680,580
2024	$8,516.00 (+4.94%)	$661,200 (+11.29%) Land $398,600 Building $262,600
2023	$8,115.00	$594,100 Land $359,000 Building $235,100

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

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 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)

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