59 Central St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 59 Central St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 5,754 sqft · built 1980
Lot Size	1.03 acres (44,997 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,800,000 (May 2022)
Tax Bill	$26,901 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00055 B:00142 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00055 B:00142 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	5,754 sqft Living Area
Gross Area	9,590 sqft
Basement Area	2,479 sqft
Unfinished Basement	2,479 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,997 sqft (1.03 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	59 CENTRAL ST
City	ANDOVER
State	MA
Zip	01810-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	PLAN 16169C
Legal Block	142
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

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	59 CENTRAL ST, ANDOVER, MA 01810-3917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 30, 2023	Quit Claim Deed, Transfer Quitclaim
May 6, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage US BANK NA
Jun 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST IPSWICH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Dec 5, 2016 · Amount on Record
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 30, 2023
Property Address	59 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	0000128839
Instrument Date	Jun 8, 2023
Instrument	128839
Transaction Type	Transfer
Record Updated	Jul 19, 2023

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
Address	59 CENTRAL ST, ANDOVER, MA 01810-3917

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 30, 2023
Property Address	59 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	0017775-65
Book / Page	17775 / 65
Instrument Date	Jun 8, 2023
Instrument	10339
Transaction Type	Transfer
Record Updated	Jul 19, 2023

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
Address	59 CENTRAL ST, ANDOVER, MA 01810-3917

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 6, 2022
Property Address	59 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	0000127096
Instrument Date	May 6, 2022
Instrument	127096
Transaction Type	Transfer
Record Updated	May 20, 2022

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
Relationship	Tenants by the Entirety
Address	59 CENTRAL ST, ANDOVER, MA 01810-3917

Mortgage

Document Number	0000010974
Date	May 6, 2022
Instrument	10974

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	59 CENTRAL ST, ANDOVER, MA 01810-3917
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15513-130
Date	Jun 14, 2018
Book Page	15513/130
Instrument	13725

Lender

Name	FIRST IPSWICH BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$26,901.00 (+12.6%)	$2,153,800 (+16.11%) Land $1,045,900 Building $1,107,900	$2,307,455
2024	$23,891.00 (+4.2%)	$1,854,900 (+10.51%) Land $886,900 Building $968,000
2023	$22,928.00	$1,678,500 Land $799,000 Building $879,500

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
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

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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