Essex County and Andover Town property record for 81 River St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,196 sqft · built 1940 |
| Lot Size | 0.355 acres (15,481 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $41,000 (Dec 1979) |
| Tax Bill | $6,603 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00140 B:00039 L:00000 |
| Primary APN | ANDO M:00140 B:00039 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Gross Area | 2,652 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,481 sqft (0.355 acres) |
| Garage Type | Detached |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 81 RIVER ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-5907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 39 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 254301 |
81 River St is owned and occupied by two individuals who bought it in December 1979.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 81 RIVER ST, ANDOVER, MA 01810-5907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 1979 · Amount on File |
| Deed Sale | Dec 7, 1979 · Amount on File |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 81 River St was $6,603, down 0.7% 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 | $6,603.00 (-0.69%) | $528,700 (+2.42%) Land $317,100 Building $211,600 | $595,745 |
| 2024 | $6,649.00 (+1.23%) | $516,200 (+7.36%) Land $309,500 Building $206,700 | |
| 2023 | $6,568.00 | $480,800 Land $286,700 Building $194,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 River St in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 81 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.
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 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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