86 Lawrence St, Andover, NH 03216 Property Records

Merrimack County and Andover Town property record for 86 Lawrence St, Andover, NH 03216

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,007 sqft · built 1891
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Sep 2025)
Tax Bill	$6,027 (2025)
Deeds & Mortgages	Dec 2024 Refinance Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDV M:00019 B:000766 L:000048`

Property Details

APN / Parcel Number

Primary APN	`ANDV M:00019 B:000766 L:000048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,007 sqft Living Area
Gross Area	3,785 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	86 LAWRENCE ST
City	ANDOVER
State	NH
Zip	03216-3618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V V
Legal Block	766
Legal Lot Number	48
Jurisdiction	ANDOVER TOWN NH
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2045
Census Tract	42500

Owner

Source: Merrimack County and Andover Town assessment roll, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	62 CHESTNUT ST, 2, TILTON, NH 03276-5576
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ERIC CUDDIHY
Sep 11, 2025	Warranty Deed, Transfer · Conventional Mortgage LIGHTHOUSE FUNDING CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 11, 2025 · Amount on Record
Deed Sale	Sep 11, 2025 · Amount on Record
Deed Document Number	202514235
Deed Book / Page	3902 / 2023
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER TOWN NH
Property Address	86 LAWRENCE ST, ANDOVER, NH 03216-3618
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017424
Date	Dec 2, 2024
Book Page	3875/1821
Instrument	202400017424

Lender

Name	ERIC CUDDIHY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ANDOVER TOWN NH
Recording Date	Sep 11, 2025
Property Address	86 LAWRENCE ST, ANDOVER, NH 03216-3618
Document Number	0000014235
Book / Page	3902 / 2023
Instrument Date	Sep 11, 2025
Instrument	202500014235
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	62 CHESTNUT ST APT 2, 2, TILTON, NH 03276-5576

Mortgage

Document Number	0000014236
Date	Sep 11, 2025
Instrument	202500014236

Lender

Name	LIGHTHOUSE FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

Source: Merrimack County and Andover Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
County Subdivision	Andover Town
Elementary School District	Andover School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,027.00 (+0.07%)	$411,400 (-) Land $122,400 Building $289,000
2024	$6,023.00 (+12.2%)	$411,400 (+75.89%) Land $122,400 Building $289,000
2023	$5,368.00 (+8.31%)	$233,900 (-) Land $78,700 Building $155,200	$384,655
2022	$4,956.00	$233,900 Land $78,700 Building $155,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (2006–2007)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2007 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 52% of New Hampshire
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ANDOVER VILLAGE DIST serves 650 people · EPA ID NH0081010
Water Source	Surface water
Last State Inspection	May 2023

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2025 Total trihalomethanes resolved · Apr 2024
Treatment and Procedure	Sanitary survey deficiency not corrected Jan 2024
Monitoring and Reporting	18 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
New Hampshire Electric Cooperative Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
TDS Telecom Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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