60 River St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 60 River St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1881
Lot Size	0.812 acres (35,379 sqft)
Owner	2 Individual Names on File
Last Sale	$457,500 (Aug 2013)
Tax Bill	$8,879 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00140 B:00023 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00140 B:00023 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
Gross Area	3,332 sqft
Basement Area	958 sqft
Unfinished Basement	958 sqft

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1881
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,379 sqft (0.812 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	60 RIVER ST
City	ANDOVER
State	MA
Zip	01810-5908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	CHARLOTTE CIRCLE
Legal Block	23
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2004
Census Tract	254301

Owner

60 River St is owned and occupied by two individuals who bought it in August 2013.

Source: Essex County and Andover Town records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	60 RIVER ST, ANDOVER, MA 01810-5908
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 25, 2026	Deed of Trust, Mortgage WINCHESTER COOPERATIVE BANK
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK
Sep 23, 2024	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK
Mar 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ALLIED MORTGAGE & SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2013 · Amount on File
Deed Sale	Aug 29, 2013 · Amount on File
Deed Book / Page	13617 / 264
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	60 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018538-327
Date	Mar 25, 2026
Book Page	18538/327
Instrument	4352

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	60 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018538-327
Date	Mar 25, 2026
Book Page	18538/327
Instrument	4352

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	60 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018098-249
Date	Sep 23, 2024
Book Page	18098/249
Instrument	16288

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2044

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	60 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017376-47
Date	Mar 15, 2022
Book Page	17376/47
Instrument	6290

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Apr 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	60 RIVER ST, ANDOVER, MA 01810-5908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16493-144
Date	Sep 15, 2020
Book Page	16493/144
Instrument	24546

Lender

Name	ALLIED MORTGAGE & SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 60 River St was $8,879, up 0.5% 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	$8,879.00 (+0.48%)	$710,900 (+3.61%) Land $411,100 Building $299,800	$803,415
2024	$8,837.00 (+2.91%)	$686,100 (+9.15%) Land $401,200 Building $284,900
2023	$8,587.00	$628,600 Land $371,600 Building $257,000

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

Flood

FEMA maps place 60 River St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1987–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 60 River 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	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 78 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 / 2,000

May also be available: T-Mobile.

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