77 Reservation Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 77 Reservation Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 4,158 sqft · built 1992
Lot Size	2.47 acres (107,619 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (Apr 2025)
Tax Bill	$16,803 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00090 B:00005 L:0000B`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00090 B:00005 L:0000B`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,158 sqft Living Area
Gross Area	7,255 sqft
Basement Area	2,240 sqft
Unfinished Basement	2,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	107,619 sqft (2.47 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	77 RESERVATION RD
City	ANDOVER
State	MA
Zip	01810-3429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	5
Legal Lot Number	B
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1001
Census Tract	254401

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	Individual Name on Record
Mailing Address	77 RESERVATION RD, ANDOVER, MA 01810-3429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2025	Deed, Transfer · Stand-Alone First Mortgage EVERETT COOPERATIVE BANK
Nov 10, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2025 · Amount on Record
Deed Sale	Apr 4, 2025 · Amount on Record
Prior Sale	May 10, 1993 · Amount on Record
Prior Transfer Date	Nov 2, 2022
Prior Transfer Doc	0000128102
Record Updated	Sep 20, 2026

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 4, 2025
Property Address	77 RESERVATION RD, ANDOVER, MA 01810-3429
Document Number	0000131211
Instrument Date	Apr 4, 2025
Instrument	131211
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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
Relationship	Tenants by the Entirety
Address	77 RESERVATION RD, ANDOVER, MA 01810-3429

Mortgage

Document Number	0000131212
Date	Apr 4, 2025
Instrument	131212

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	May 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 10, 2022
Property Address	77 RESERVATION RD, ANDOVER, MA 01810-3429
Document Number	0000128102
Instrument Date	Nov 2, 2022
Instrument	128102
Transaction Type	Transfer
Record Updated	Nov 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 RESERVATION RD, ANDOVER, MA 01810-3429

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	$16,803.00 (+0.66%)	$1,345,300 (+3.8%) Land $551,200 Building $794,100	$993,700
2024	$16,692.00 (+4.33%)	$1,296,000 (+10.66%) Land $530,700 Building $765,300
2023	$15,999.00	$1,171,200 Land $478,100 Building $693,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1982–2018)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2018 · 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 93 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 / 250

May also be available: T-Mobile.

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