63 Central St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 63 Central St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 6,503 sqft · built 1911
Lot Size	4.24 acres (184,825 sqft)
Owner	2 Trust Names on File
Last Sale	$700,000 (Oct 1998)
Tax Bill	$27,508 (2025)
Deeds & Mortgages	Feb 2026 Transfer Oct 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00074 B:00093 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00074 B:00093 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	6,503 sqft Living Area
Gross Area	10,436 sqft
Basement Area	2,528 sqft
Unfinished Basement	1,517 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1941
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	184,825 sqft (4.24 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	63 CENTRAL ST
City	ANDOVER
State	MA
Zip	01810-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	93
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

63 Central St is owner-occupied and held in a trust since February 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	63 CENTRAL ST, ANDOVER, MA 01810-3917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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
Feb 20, 2026	Quit Claim Deed, Transfer Quitclaim
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Dec 27, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Jan 24, 2019	Quit Claim Deed, Transfer Quitclaim
Dec 27, 2017	Quit Claim Deed, Transfer · Closed-End Mortgage ENTERPRISE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 1998 · Amount on File
Deed Sale	Oct 16, 1998 · Amount on File
Prior Sale	Jul 29, 1992 · Amount on File
Deed Book / Page	5209 / 110
Last Transfer Date	Feb 10, 2026
Transfer Doc	0000132588
Record Updated	Sep 20, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Feb 20, 2026
Property Address	63 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	0000132588
Instrument Date	Feb 10, 2026
Instrument	132588
Transaction Type	Transfer
Record Updated	Mar 11, 2026

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	63 CENTRAL ST, ANDOVER, MA 01810-3917

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	63 CENTRAL ST, ANDOVER, MA 01810-3917
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17201-328
Date	Oct 27, 2021
Book Page	17201/328
Instrument	35610

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	63 CENTRAL ST, ANDOVER, MA 01810-3917
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15717-283
Date	Dec 27, 2018
Book Page	15717/283
Instrument	31134

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 24, 2019
Property Address	63 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	15741-298
Book / Page	015741 / 000298
Instrument Date	Jan 23, 2019
Instrument	1608
Transaction Type	Transfer
Record Updated	Feb 13, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	63 CENTRAL ST ANDOVER MA 018103917, ANDOVER, MA 01810-3917

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 27, 2017
Property Address	63 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	15345-79
Book / Page	15345 / 79
Instrument	33793
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	Non-Arm's Length Transaction
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 CENTRAL ST, ANDOVER, MA 01810-3917

Mortgage

Document Number	15345-83
Date	Dec 27, 2017
Book Page	15345/83
Instrument	33794

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 63 Central St was $27,508, up 8.6% 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	$27,508.00 (+8.59%)	$2,202,400 (+11.98%) Land $1,095,700 Building $1,106,700	$2,682,040
2024	$25,331.00 (+4.26%)	$1,966,700 (+10.57%) Land $934,100 Building $1,032,600
2023	$24,297.00	$1,778,700 Land $846,200 Building $932,500

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

Flood

FEMA maps place 63 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 63 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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