71 Chestnut St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 71 Chestnut St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,646 sqft · built 1916
Lot Size	0.333 acres (14,519 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Mar 2021)
Tax Bill	$11,869 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00039 B:00162 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00039 B:00162 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,646 sqft Living Area
Gross Area	5,287 sqft
Basement Area	1,064 sqft
Unfinished Basement	958 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,519 sqft (0.333 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	71 CHESTNUT ST
City	ANDOVER
State	MA
Zip	01810-3638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	162
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3008
Census Tract	254200

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	71 CHESTNUT ST, ANDOVER, MA 01810-3638
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit
Mar 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES
Aug 1, 2017	Quit Claim Deed, Transfer · ARM BERKSHIRE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Aug 30, 2004 · Amount on Record
Deed Document Number	202110484
Deed Book / Page	16849 / 129
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Recording Date	Jun 22, 2026
Property Address	71 CHESTNUT ST, ANDOVER, MA 01810-3638
Document Number	0000010120
Book / Page	18613 / 202
Instrument Date	May 29, 2026
Instrument	202610120
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 CHESTNUT ST, ANDOVER, MA 01810-3638

Mortgage

Document Number	0000010120,
Date	Jun 22, 2026
Book Page	18613/202
Instrument	202610120

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 30, 2021
Property Address	71 CHESTNUT ST, ANDOVER, MA 01810-3638
Document Number	16849-129
Book / Page	16849 / 129
Instrument Date	Mar 30, 2021
Instrument	10484
Transaction Type	Transfer
Record Updated	May 12, 2021

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	71 CHESTNUT ST, ANDOVER, MA 01810-3638

Mortgage

Document Number	10485
Date	Mar 30, 2021
Instrument	10485

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Aug 1, 2017
Property Address	71 CHESTNUT ST, ANDOVER, MA 01810-3638
Document Number	15172-151
Book / Page	15172 / 151
Instrument	19619
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$84.83
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 CHESTNUT ST, ANDOVER, MA 01810-3638

Mortgage

Document Number	15172-155
Date	Aug 1, 2017
Book Page	15172/155
Instrument	19620

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Margin	3

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	$11,869.00 (+4.86%)	$950,300 (+8.14%) Land $540,100 Building $410,200	$1,195,575
2024	$11,319.00 (+4.62%)	$878,800 (+10.96%) Land $494,800 Building $384,000
2023	$10,819.00	$792,000 Land $445,700 Building $346,300

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
Nearest Special Flood Hazard Area	Zone A, within 100 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

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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