57 Central St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 57 Central St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 11,611 sqft · built 1730
Lot Size	1.84 acres (80,150 sqft)
Owner	2 Individual Names on File
Last Sale	$1,275,000 (Jun 2014)
Tax Bill	$32,969 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00055 B:00144 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00055 B:00144 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	11,611 sqft Living Area
Gross Area	17,207 sqft
Basement Area	3,352 sqft
Unfinished Basement	503 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1730
Effective Year Built	Effective 1730
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	80,150 sqft (1.84 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	57 CENTRAL ST
City	ANDOVER
State	MA
Zip	01810-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	NEWBURY
Legal Block	144
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2019
Census Tract	254200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Street District listed 1982 · 31 contributing resources · NRIS 82000478

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

57 Central St is owned and occupied by two individuals who bought it in June 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	57 CENTRAL ST, ANDOVER, MA 01810-3917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Dec 23, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2014 · Amount on File
Deed Sale	Jun 9, 2014 · Amount on File
Prior Sale	Jul 31, 2001 · Amount on File
Deed Book / Page	13876 / 11
Transfer Doc	0013876-11
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	57 CENTRAL ST, ANDOVER, MA 01810-3917
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017549-229
Date	Aug 26, 2022
Book Page	17549/229
Instrument	20256

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 23, 2019
Property Address	57 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	16131-166
Book / Page	16131 / 166
Instrument Date	Dec 16, 2019
Instrument	32717
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	57 CENTRAL ST, ANDOVER, MA 01810-3917

Mortgage

Document Number	16131-170
Date	Dec 23, 2019
Book Page	16131/170
Instrument	32718

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	193 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 57 Central St was $32,969, up 13.2% from the year before.

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	$32,969.00 (+13.21%)	$2,639,600 (+16.74%) Land $1,058,400 Building $1,581,200	$2,441,405
2024	$29,122.00 (+4.33%)	$2,261,000 (+10.64%) Land $898,700 Building $1,362,300
2023	$27,914.00	$2,043,500 Land $810,800 Building $1,232,700

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

Flood

FEMA maps place 57 Central St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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 Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 claims

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 57 Central St is low, with less than 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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.

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 171 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

May also be available: AT&T.

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