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 Record |
| 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 |
Source: Essex County and Andover Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 85 CENTRAL ST, ANDOVER, MA 01810-3926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| 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 Record |
| Deed Sale | Dec 8, 2023 · Amount on Record |
| 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 Recorded |
| 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 Recorded |
|---|---|
| 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 Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Type Change Date | Jan 1, 2029 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
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.
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.
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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