66 Chestnut St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 66 Chestnut St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,386 sqft · built 1906
Lot Size	0.324 acres (14,100 sqft)
Owner	2 Individual Names on File
Tax Bill	$13,939 (2025)
Deeds & Mortgages	Jun 2021 Refinance Sep 2021 Refinance + 7 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00039 B:00131 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00039 B:00131 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,386 sqft Living Area
Gross Area	4,846 sqft
Basement Area	1,070 sqft
Unfinished Basement	1,070 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,100 sqft (0.324 acres)
Garage Type	Detached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	66 CHESTNUT ST
City	ANDOVER
State	MA
Zip	01810-3637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	131
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3004
Census Tract	254200

Owner

66 Chestnut St is owned and occupied by two individuals who acquired it in February 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
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
Jun 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNION HOME MORTGAGE
Sep 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Jun 27, 2018	Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU
Apr 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Jul 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Nov 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Jan 22, 2020	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Nov 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNION HOME MORTGAGE
Jan 29, 2018	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2015
Deed Sale	Feb 18, 2015
Prior Sale	Nov 27, 2013
Deed Book / Page	14131 / 216
Transfer Doc	14131-216
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017002-23
Date	Jun 28, 2021
Book Page	17002/23
Instrument	21362

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17121-261
Date	Sep 8, 2021
Book Page	17121/261
Instrument	30036

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15528-213
Date	Jun 27, 2018
Book Page	15528/213
Instrument	15005

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jun 1, 2058

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15815-85
Date	Apr 17, 2019
Book Page	15815/85
Instrument	7972

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15918-62
Date	Jul 15, 2019
Book Page	15918/62
Instrument	16288

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16087-112
Date	Nov 20, 2019
Book Page	16087/112
Instrument	29248

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16161-101
Date	Jan 22, 2020
Book Page	16161/101
Instrument	1534

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Feb 1, 2060

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16582-320
Date	Nov 3, 2020
Book Page	16582/320
Instrument	30520

Lender

Name	UNION HOME MORTGAGE

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	66 CHESTNUT ST, ANDOVER, MA 01810-3637
Document Number	15381-253
Book / Page	015381 / 000253
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15381-253
Date	Feb 2, 2018
Book Page	015381/000253
Instrument	2778

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 66 Chestnut St was $13,939, up 4.2% 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	$13,939.00 (+4.25%)	$1,116,000 (+7.5%) Land $538,200 Building $577,800	$1,112,735
2024	$13,371.00 (+4.33%)	$1,038,100 (+10.65%) Land $493,100 Building $545,000
2023	$12,816.00	$938,200 Land $444,100 Building $494,100

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

Flood

FEMA maps place 66 Chestnut St in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2019 · rainfall accumulation

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 66 Chestnut 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 99.1% of the US · lower than 98.7% 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 495 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

May also be available: AT&T, T-Mobile.

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