76 Stevens St, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,617 sqft · built 1943
Lot Size	0.252 acres (10,990 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Apr 2019)
Tax Bill	$6,751 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit May 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00054 B:00024 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00054 B:00024 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,617 sqft Living Area
Gross Area	2,276 sqft
Basement Area	740 sqft
Unfinished Basement	185 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,990 sqft (0.252 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	76 STEVENS ST
City	ANDOVER
State	MA
Zip	01810-3521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	24
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2002
Census Tract	254200

Owner

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 Individual Names on Record
Mailing Address	76 STEVENS ST, ANDOVER, MA 01810-3521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 9, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Apr 11, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI
Oct 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on Record
Deed Sale	Apr 11, 2019 · Amount on Record
Prior Sale	Oct 9, 2018
Deed Book / Page	15810 / 144
Prior Transfer Date	Apr 9, 2019
Prior Transfer Doc	15810-144
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	76 STEVENS ST, ANDOVER, MA 01810-3521
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017500-197
Date	Jul 7, 2022
Book Page	17500/197
Instrument	16088

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	76 STEVENS ST, ANDOVER, MA 01810-3521
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017437-135
Date	May 9, 2022
Book Page	17437/135
Instrument	11015

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	76 STEVENS ST, ANDOVER, MA 01810-3521
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16553-273
Date	Oct 20, 2020
Book Page	16553/273
Instrument	16553

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 11, 2019
Property Address	76 STEVENS ST, ANDOVER, MA 01810-3521
Document Number	15810-144
Book / Page	015810 / 000144
Instrument Date	Apr 9, 2019
Instrument	7565
Transaction Type	Transfer
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,846.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	76 STEVENS ST ANDOVER MA 018103521, ANDOVER, MA 01810-3521

Mortgage

Document Number	15810-146
Date	Apr 11, 2019
Book Page	015810/000146
Instrument	7566

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Oct 9, 2018
Property Address	76 STEVENS ST, ANDOVER, MA 01810-3521
Document Number	15643-155
Book / Page	015643 / 000155
Instrument Date	Sep 27, 2018
Instrument	24771
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 STEVENS ST ANDOVER MA 018103521, ANDOVER, MA 01810-3521

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	$6,751.00 (-0.07%)	$540,500 (+3.05%) Land $304,100 Building $236,400	$599,450
2024	$6,756.00 (+4.74%)	$524,500 (+11.08%) Land $296,700 Building $227,800
2023	$6,450.00	$472,200 Land $267,300 Building $204,900

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 claims

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 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 219 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: T-Mobile.

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