Essex County and Andover Town property record for 82 Central St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,464 sqft · built 1952 |
| Lot Size | 0.244 acres (10,624 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $626,000 (Mar 2021) |
| Tax Bill | $9,905 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00074 B:00031 L:00000 |
| Primary APN | ANDO M:00074 B:00031 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,464 sqft Living Area |
| Gross Area | 2,864 sqft |
| Basement Area | 888 sqft |
| Unfinished Basement | 888 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,624 sqft (0.244 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 82 CENTRAL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 31 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 254301 |
82 Central St is owned and occupied by two individuals who bought it in March 2021.
Source: Essex County and Andover Town records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 82 CENTRAL ST, ANDOVER, MA 01810-3914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Line of Credit |
| Mar 31, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2021 · Amount on File |
| Deed Sale | Mar 31, 2021 · Amount on File |
| Prior Sale | Jun 28, 2006 · Amount on File |
| Deed Document Number | 202110706 |
| Deed Book / Page | 16853 / 71 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Jun 23, 2026 |
| Property Address | 82 CENTRAL ST, ANDOVER, MA 01810-3914 |
| Document Number | 0000010288 |
| Book / Page | 18615 / 310 |
| Instrument Date | Jun 20, 2026 |
| Instrument | 202610288 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 82 CENTRAL ST, ANDOVER, MA 01810-3914 |
| Document Number | 0000010288, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 18615/310 |
| Instrument | 202610288 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Mar 31, 2021 |
| Property Address | 82 CENTRAL ST, ANDOVER, MA 01810-3914 |
| Document Number | 16853-71 |
| Book / Page | 16853 / 71 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 10706 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 82 CENTRAL ST, ANDOVER, MA 01810-3914 |
| Document Number | 10707 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 10707 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 82 Central St was $9,905, up 4.4% 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 | $9,905.00 (+4.41%) | $793,000 (+7.66%) Land $522,000 Building $271,000 | $878,180 |
| 2024 | $9,487.00 (+4.62%) | $736,600 (+10.97%) Land $478,200 Building $258,400 | |
| 2023 | $9,068.00 | $663,800 Land $430,800 Building $233,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 82 Central St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1987.
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 | 6 in force |
| Nearby Flood Claims | 6 (1987–2010) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 82 Central 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 97% of the US · lower than 94% 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 153 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 |
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