Essex County and Andover Town property record for 85 Summer St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,386 sqft · built 1920 |
| Lot Size | 0.425 acres (18,530 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $387,500 (Jun 2008) |
| Tax Bill | $14,502 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Oct 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00022 B:00067 L:00000 |
| Primary APN | ANDO M:00022 B:00067 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,386 sqft Living Area |
| Gross Area | 7,340 sqft |
| Basement Area | 1,930 sqft |
| Unfinished Basement | 1,930 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 18,530 sqft (0.425 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 85 SUMMER ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Subdivision | JOHN FRANKLIN |
| Legal Block | 67 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 254200 |
Source: Essex County and Andover Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 85 SUMMER ST, ANDOVER, MA 01810-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 12, 2022 | Deed of Trust, Mortgage · Line of Credit SAVINGS BANK TRUST |
| Oct 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC |
| Oct 3, 2017 | Deed of Trust, Mortgage · ARM SAVINGS BANK TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2008 · Amount on Record |
| Deed Sale | Jun 13, 2008 · Amount on Record |
| Prior Sale | Feb 26, 1999 · Amount on Record |
| Deed Book / Page | 11215 / 250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 85 SUMMER ST, ANDOVER, MA 01810-1823 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 017308-118 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 17308/118 |
| Instrument | 827 |
| Name | SAVINGS BANK TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 85 SUMMER ST, ANDOVER, MA 01810-1823 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 17169-166 |
|---|---|
| Date | Oct 6, 2021 |
| Book Page | 17169/166 |
| Instrument | 33286 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 85 SUMMER ST, ANDOVER, MA 01810-1823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15246-318 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 15246/318 |
| Instrument | 25821 |
| Name | SAVINGS BANK TRUST |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Margin | 1 |
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 | $14,502.00 (+4.41%) | $1,161,100 (+7.67%) Land $558,800 Building $602,300 | $1,156,720 |
| 2024 | $13,890.00 (+4.74%) | $1,078,400 (+11.08%) Land $511,900 Building $566,500 | |
| 2023 | $13,261.00 | $970,800 Land $461,100 Building $509,700 |
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 Policies | 3 in force |
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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
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