76 River St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 76 River St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,898 sqft · built 1910
Lot Size	0.304 acres (13,225 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Mar 2019)
Tax Bill	$9,657 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00140 B:00033 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00140 B:00033 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,898 sqft Living Area
Gross Area	2,934 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,225 sqft (0.304 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	76 RIVER ST
City	ANDOVER
State	MA
Zip	01810-5908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	33
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2004
Census Tract	254301

Owner

76 River St is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	76 RIVER ST, ANDOVER, MA 01810-5908
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage METRO CU
Mar 25, 2019	Quit Claim Deed, Transfer · Conventional with PMI METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2019 · Amount on File
Deed Sale	Mar 25, 2019 · Amount on File
Prior Sale	Dec 15, 2016 · Amount on File
Deed Book / Page	15792 / 211
Prior Transfer Date	Mar 8, 2019
Prior Transfer Doc	15792-211
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	76 RIVER ST, ANDOVER, MA 01810-5908
Document Number	16091-223
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 RIVER ST ANDOVER MA 018105908, ANDOVER, MA 01810-5908

Mortgage

Document Number	16091-223
Date	Nov 22, 2019
Book Page	016091/000223
Instrument	29592

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	216 Months
Due	Nov 21, 2037

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Mar 25, 2019
Property Address	76 RIVER ST, ANDOVER, MA 01810-5908
Document Number	15792-211
Book / Page	015792 / 000211
Instrument Date	Mar 8, 2019
Instrument	6128
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	76 RIVER ST ANDOVER MA 018105908, ANDOVER, MA 01810-5908

Mortgage

Document Number	15792-215
Date	Mar 25, 2019
Book Page	015792/000215
Instrument	6129

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 76 River St was $9,657, up 8% 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	$9,657.00 (+7.96%)	$773,200 (+11.33%) Land $310,100 Building $463,100	$723,900
2024	$8,945.00 (+3.18%)	$694,500 (+9.44%) Land $302,700 Building $391,800
2023	$8,669.00	$634,600 Land $280,400 Building $354,200

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

Flood

FEMA maps place 76 River 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1987–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 76 River 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 98% of the US · lower than 96% 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 78 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 / 2,000

May also be available: T-Mobile.

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