65 Central St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 65 Central St, Andover, MA 01810

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on Record
Last Sale	$3,100,000 (Mar 2024)
Tax Bill	$37,048 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Mar 2024 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00074 B:00092 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00074 B:00092 L:00000`

Interior

Units	4 Units

Exterior

Lot Area	43,560 sqft (1 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	65 CENTRAL ST
City	ANDOVER
State	MA
Zip	01810-3917
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	SRA
Legal Block	92
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	Company Name on Record
Mailing Address	PO BOX 1222, ANDOVER, MA 01810-0021
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Line of Credit DIRECT CU
Mar 7, 2024	Quit Claim Deed, Transfer
Jun 14, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance FIRST BOSTON CONSTRUCTION HOLDINGS
Jan 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage COMMUNITY CREDIT UNION LYNN
Jan 30, 2020	Quit Claim Deed, Transfer RCN CAP
Jul 5, 2019	Warranty Deed, Transfer LIMA ONE CAP
May 16, 2018	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2024 · Amount on Record
Deed Sale	Mar 7, 2024 · Amount on Record
Prior Sale	Jan 29, 2021 · Amount on Record
Deed Book / Page	17942 / 299
Prior Transfer Date	Jan 23, 2021
Prior Transfer Doc	016742-226
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	65 CENTRAL ST, ANDOVER, MA 01810-3917
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016882-43
Date	Apr 16, 2021
Book Page	16882/43
Instrument	12739

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	May 1, 2061

Interest

Rate Type	Adjustable Rate

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 7, 2024
Property Address	65 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	017942-299
Book / Page	17942 / 299
Instrument Date	Mar 5, 2024
Instrument	3365
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Amount	Amount Recorded
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
Address	PO BOX 1222, ANDOVER, MA 01810-0021

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jun 14, 2023
Property Address	65 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	017762-194
Book / Page	17762 / 194
Instrument Date	Jun 14, 2023
Instrument	9230
Transaction Type	Transfer
Record Updated	Jul 24, 2024

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	41 DERBY ST, SOMERVILLE, MA 02145-1935

Mortgage

Document Number	0000009231
Date	Jun 14, 2023
Instrument	9231

Lender

Name	FIRST BOSTON CONSTRUCTION HOLDINGS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 29, 2021
Property Address	65 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	016742-226
Book / Page	16742 / 226
Instrument Date	Jan 23, 2021
Instrument	3410
Transaction Type	Transfer
Record Updated	Sep 19, 2023

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
Address	65 CENTRAL ST, ANDOVER, MA 01810-3917

Mortgage

Document Number	0000003411
Date	Jan 29, 2021
Instrument	3411

Lender

Name	COMMUNITY CREDIT UNION LYNN

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Jan 30, 2020
Property Address	65 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	16109-323
Book / Page	016109 / 000323
Instrument Date	Dec 6, 2019
Instrument	30952
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	139 HAROLD ST BOSTON MA 021211048, BOSTON, MA 02121-1048

Mortgage

Document Number	16171-252
Date	Jan 30, 2020
Book Page	016171/000252
Instrument	2263

Lender

Name	RCN CAP
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ANDOVER MA
Recording Date	Jul 5, 2019
Property Address	65 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	15908-68
Book / Page	015908 / 000068
Instrument Date	Jun 17, 2019
Instrument	15500
Transaction Type	Transfer
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,266.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	22 BOOTH RD DEDHAM MA 020265708, DEDHAM, MA 02026-5708

Mortgage

Document Number	15908-71
Date	Jul 5, 2019
Book Page	015908/000071
Instrument	15501

Lender

Name	LIMA ONE CAP
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded

May 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	ANDOVER MA
Recording Date	May 16, 2018
Property Address	65 CENTRAL ST, ANDOVER, MA 01810-3917
Document Number	15481-98
Book / Page	015481 / 000098
Instrument Date	Apr 24, 2018
Instrument	11137
Transaction Type	Foreclosure
Record Updated	Jan 12, 2019

Transaction

Amount	Amount Recorded
Tax	$6,406.80
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7105 CORPORATE DR PLANO TX 750244100, PLANO, TX 75024-4100
Investor	Possibly a Property Investor

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	$37,048.00 (+14.49%)	$2,966,200 (+18.06%) Land $1,045,400 Building $1,920,800	$2,728,115
2024	$32,360.00 (+5.22%)	$2,512,400 (+11.59%) Land $886,400 Building $1,626,000
2023	$30,755.00	$2,251,500 Land $798,500 Building $1,453,000

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 153 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

65 Central St, Andover, MA 01810 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2024: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2023: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Central St

Nearby Streets

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