Essex County and Andover Town property record for 73 Summer St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,520 sqft · built 1925 |
| Lot Size | 0.257 acres (11,199 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $707,000 (May 2018) |
| Tax Bill | $12,361 (2025) |
| Deeds & Mortgages | Dec 2021 Refinance Apr 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00022 B:00070 L:00000 |
| Primary APN | ANDO M:00022 B:00070 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,520 sqft Living Area |
| Gross Area | 5,039 sqft |
| Basement Area | 1,260 sqft |
| Unfinished Basement | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,199 sqft (0.257 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 73 SUMMER ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 70 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 254200 |
73 Summer St is owned and occupied by two individuals who bought it in May 2018.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 73 SUMMER ST, ANDOVER, MA 01810-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC |
| Apr 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Nov 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC |
| May 17, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2018 · Amount on File |
| Deed Sale | May 17, 2018 · Amount on File |
| Prior Sale | Jun 21, 1990 · Amount on File |
| Deed Book / Page | 15482 / 113 |
| Transfer Doc | 015482-113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 73 SUMMER ST, ANDOVER, MA 01810-1823 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 017271-164 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 17271/164 |
| Instrument | 40627 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 73 SUMMER ST, ANDOVER, MA 01810-1823 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 017414-276 |
|---|---|
| Date | Apr 15, 2022 |
| Book Page | 17414/276 |
| Instrument | 9269 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 73 SUMMER ST, ANDOVER, MA 01810-1823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16098-249 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 16098/249 |
| Instrument | 30122 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | May 17, 2018 |
| Property Address | 73 SUMMER ST, ANDOVER, MA 01810-1823 |
| Document Number | 15482-113 |
| Book / Page | 015482 / 000113 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 11222 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,223.92 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 73 SUMMER ST ANDOVER MA 018101823, ANDOVER, MA 01810-1823 |
| Document Number | 15482-116 |
|---|---|
| Date | May 17, 2018 |
| Book Page | 015482/000116 |
| Instrument | 11223 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 16, 2048 |
The 2025 property tax bill for 73 Summer St was $12,361, up 7.6% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,361.00 (+7.63%) | $989,700 (+10.99%) Land $524,700 Building $465,000 | $985,150 |
| 2024 | $11,485.00 (+4.47%) | $891,700 (+10.8%) Land $480,700 Building $411,000 | |
| 2023 | $10,994.00 | $804,800 Land $433,000 Building $371,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 73 Summer St in Zone X, an area of minimal flood risk.
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 Policies | 3 in force |
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 risk around 73 Summer St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
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