Essex County and Andover Town property record for 86 Summer St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,163 sqft · built 1922 |
| Lot Size | 0.235 acres (10,250 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $189,000 (Apr 1997) |
| Tax Bill | $11,260 (2025) |
| Deeds & Mortgages | May 2023 Transfer Sep 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00021 B:00187 L:00000 |
| Primary APN | ANDO M:00021 B:00187 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,163 sqft Living Area |
| Gross Area | 3,864 sqft |
| Basement Area | 1,367 sqft |
| Unfinished Basement | 1,367 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,250 sqft (0.235 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 86 SUMMER ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Subdivision | ANDOVER |
| Legal Block | 187 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 254200 |
86 Summer St is owner-occupied and held in a trust since April 1997.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 86 SUMMER ST, ANDOVER, MA 01810-1826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| 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.
| Date | Document |
|---|---|
| May 9, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Sep 7, 2017 | Deed of Trust, Mortgage · ARM SAVINGS BANK TRUST |
| Dec 17, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance CENTURY BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 1997 · Amount on File |
| Deed Sale | Apr 25, 1997 · Amount on File |
| Prior Sale | May 23, 1994 · Amount on File |
| Deed Book / Page | 4738 / 2 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | May 9, 2023 |
| Property Address | 86 SUMMER ST, ANDOVER, MA 01810-1826 |
| Document Number | 017735-255 |
| Book / Page | 17735 / 255 |
| Instrument Date | May 9, 2023 |
| Instrument | 6960 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 SUMMER ST, ANDOVER, MA 01810-1826 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 86 SUMMER ST, ANDOVER, MA 01810-1826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15215-245 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 15215/245 |
| Instrument | 23229 |
| Name | SAVINGS BANK TRUST |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 86 SUMMER ST, ANDOVER, MA 01810-1826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15708-184 |
|---|---|
| Date | Dec 17, 2018 |
| Book Page | 15708/184 |
| Instrument | 30277 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | Jan 1, 2026 |
The 2025 property tax bill for 86 Summer St was $11,260, up 4.9% 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 | $11,260.00 (+4.87%) | $901,500 (+8.15%) Land $520,300 Building $381,200 | $765,225 |
| 2024 | $10,737.00 (+4.81%) | $833,600 (+11.16%) Land $476,700 Building $356,900 | |
| 2023 | $10,244.00 | $749,900 Land $429,300 Building $320,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Summer St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 86 Summer St is low, with 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 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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