Essex County and Andover Town property record for 74 Summer St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,514 sqft · built 1891 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $580,000 (Jun 2018) |
| Tax Bill | $10,699 (2025) |
| Deeds & Mortgages | Apr 2026 Transfer Nov 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00021 B:00183 L:00000 |
| Primary APN | ANDO M:00021 B:00183 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,514 sqft Living Area |
| Gross Area | 2,842 sqft |
| Basement Area | 760 sqft |
| Unfinished Basement | 760 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1891 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,801 sqft (0.225 acres) |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 74 SUMMER ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 183 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 254200 |
74 Summer St is held in a trust since June 2018.
Source: Essex County and Andover Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 12 COVENTRY LN, ANDOVER, MA 01810-2235 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
| Date | Document |
|---|---|
| Apr 7, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Nov 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WILLIAM RAVEIS MORTGAGE CO |
| Aug 16, 2019 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Jun 20, 2018 | Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2018 · Amount on File |
| Deed Sale | Jun 20, 2018 · Amount on File |
| Prior Sale | Jan 2, 2003 · Amount on File |
| Deed Document Number | 201814292 |
| Deed Book / Page | 15520 / 165 |
| Transfer Doc | 015520-165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Apr 7, 2026 |
| Property Address | 74 SUMMER ST, ANDOVER, MA 01810-1826 |
| Document Number | 018550-111 |
| Book / Page | 18550 / 111 |
| Instrument Date | Mar 2, 2026 |
| Instrument | 20265194 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 COVENTRY LN, ANDOVER, MA 01810-2235 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 74 SUMMER ST, ANDOVER, MA 01810-1826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16582-180 |
|---|---|
| Date | Nov 3, 2020 |
| Book Page | 16582/180 |
| Instrument | 30497 |
| Name | WILLIAM RAVEIS MORTGAGE CO |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 74 SUMMER ST, ANDOVER, MA 01810-1826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15961-103 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 15961/103 |
| Instrument | 19620 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jun 20, 2018 |
| Property Address | 74 SUMMER ST, ANDOVER, MA 01810-1826 |
| Document Number | 15520-165 |
| Book / Page | 15520 / 165 |
| Instrument | 14292 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $78.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 74 SUMMER ST, ANDOVER, MA 01810-1826 |
| Document Number | 155200167 |
|---|---|
| Date | Jun 20, 2018 |
| Instrument | 15520/0167 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 20, 2048 |
The 2025 property tax bill for 74 Summer St was $10,699, up 7.2% 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 | $10,699.00 (+7.25%) | $856,600 (+10.6%) Land $518,200 Building $338,400 | $805,030 |
| 2024 | $9,976.00 (+4.57%) | $774,500 (+10.9%) Land $474,700 Building $299,800 | |
| 2023 | $9,540.00 | $698,400 Land $427,600 Building $270,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 74 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 74 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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