Essex County and Andover Town property record for 85 Central St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,743 sqft · built 1811 |
| Lot Size | 0.301 acres (13,112 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $812,500 (Dec 2023) |
| Tax Bill | $10,879 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00074 B:00085 L:00000 |
| Primary APN | ANDO M:00074 B:00085 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,743 sqft Living Area |
| Gross Area | 3,269 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1811 |
|---|---|
| Effective Year Built | Effective 1811 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,112 sqft (0.301 acres) |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 85 CENTRAL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 85 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 254200 |
85 Central St is owned and occupied by two individuals who bought it in December 2023.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 85 CENTRAL ST, ANDOVER, MA 01810-3926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS MORTGAGE COMPANY INC |
| Dec 8, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MEMBERS MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2023 · Amount on File |
| Deed Sale | Dec 8, 2023 · Amount on File |
| Prior Sale | Aug 29, 2016 |
| Deed Document Number | 202320275 |
| Deed Book / Page | 17891 / 335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 85 CENTRAL ST, ANDOVER, MA 01810-3926 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 018450-266 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | 18450/266 |
| Instrument | 20966 |
| Name | MEMBERS MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Type Change Date | Dec 1, 2030 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Dec 8, 2023 |
| Property Address | 85 CENTRAL ST, ANDOVER, MA 01810-3926 |
| Document Number | 017891-335 |
| Book / Page | 17891 / 335 |
| Instrument Date | Dec 8, 2023 |
| Instrument | 20275 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2023 |
| 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 | 85 CENTRAL ST, ANDOVER, MA 01810-3926 |
| Document Number | 0000020276 |
|---|---|
| Date | Dec 8, 2023 |
| Instrument | 20276 |
| Name | MEMBERS MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Type Change Date | Jan 1, 2029 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
The 2025 property tax bill for 85 Central St was $10,879, up 3.5% 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 | $10,879.00 (+3.53%) | $871,000 (+6.77%) Land $533,600 Building $337,400 | $864,785 |
| 2024 | $10,508.00 (+4.67%) | $815,800 (+11.01%) Land $488,800 Building $327,000 | |
| 2023 | $10,039.00 | $734,900 Land $440,300 Building $294,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 85 Central St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 | 2 (1978) |
| Most Recent Claim | Feb 1978 · Coastal Storms, Flood, Ice & Snow |
| 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 85 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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