85 Argilla Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 85 Argilla Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,958 sqft · built 1876
Lot Size	1.24 acres (54,014 sqft)
Owner	2 Trust Names on File
Tax Bill	$15,932 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00092 B:00003 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00092 B:00003 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,958 sqft Living Area
Gross Area	7,047 sqft
Basement Area	1,981 sqft
Unfinished Basement	1,981 sqft

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,014 sqft (1.24 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	85 ARGILLA RD
City	ANDOVER
State	MA
Zip	01810-4743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	ANDOVER
Legal Block	3
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1005
Census Tract	254401

Owner

85 Argilla Rd is owner-occupied and held in a trust since April 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	85 ARGILLA RD, ANDOVER, MA 01810-4743
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Aug 26, 2020	Deed of Trust, Mortgage · Balloon Mortgage DIGITAL FCU
May 22, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 6, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Apr 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018
Deed Sale	Apr 27, 2018
Prior Sale	Aug 1, 1996 · Amount on File
Deed Book / Page	15461 / 211
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	85 ARGILLA RD, ANDOVER, MA 01810-4743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16463-73
Date	Aug 26, 2020
Book Page	16463/73
Instrument	22349

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2060

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 22, 2020
Property Address	85 ARGILLA RD, ANDOVER, MA 01810-4743
Document Number	16318-77
Book / Page	016318 / 000077
Instrument Date	May 18, 2020
Instrument	12135
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	85 ARGILLA RD ANDOVER MA 018104743, ANDOVER, MA 01810-4743

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 6, 2020
Property Address	85 ARGILLA RD, ANDOVER, MA 01810-4743
Document Number	16294-268
Book / Page	16294 / 268
Instrument Date	May 1, 2020
Instrument	10624
Transaction Type	Transfer
Record Updated	May 12, 2021

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	85 ARGILLA RD, ANDOVER, MA 01810-4743

Mortgage

Document Number	16294-270
Date	May 6, 2020
Book Page	16294/270
Instrument	10625

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Apr 27, 2018
Property Address	85 ARGILLA RD, ANDOVER, MA 01810-4743
Document Number	15461-211
Book / Page	015461 / 000211
Instrument Date	Apr 11, 2018
Instrument	9571
Transaction Type	Transfer
Record Updated	May 18, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	85 ARGILLA RD ANDOVER MA 018104743, ANDOVER, MA 01810-4743

Tax Assessment & Valuation

The 2025 property tax bill for 85 Argilla Rd was $15,932, up 4.1% 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	$15,932.00 (+4.06%)	$1,275,600 (+7.31%) Land $613,500 Building $662,100	$1,317,365
2024	$15,310.00 (+4.61%)	$1,188,700 (+10.95%) Land $590,700 Building $598,000
2023	$14,635.00	$1,071,400 Land $532,300 Building $539,100

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

Flood

FEMA maps place 85 Argilla Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.

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

Wildfire risk around 85 Argilla Rd 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	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 109 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

Cell Coverage

5G (outdoors only) and 4G LTE

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