87 Elm St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 87 Elm St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,790 sqft · built 1940
Lot Size	0.261 acres (11,352 sqft)
Owner	Trust Name on File
Last Sale	$880,000 (Jun 2007)
Tax Bill	$14,164 (2025)
Deeds & Mortgages	May 2022 Transfer May 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00021 B:00087 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00021 B:00087 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,790 sqft Living Area
Gross Area	5,008 sqft
Basement Area	1,699 sqft
Unfinished Basement	1,218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,352 sqft (0.261 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	87 ELM ST
City	ANDOVER
State	MA
Zip	01810-3608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	FOSTER ACRES
Legal Block	87
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3001
Census Tract	254200

Owner

87 Elm St is owner-occupied and held in a trust since May 2022.

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	Trust Name on File
Mailing Address	87 ELM ST, ANDOVER, MA 01810-3608
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Quit Claim Deed, Transfer Quitclaim
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2007 · Amount on File
Deed Sale	Jun 1, 2007 · Amount on File
Prior Sale	Sep 15, 2000 · Amount on File
Deed Book / Page	10775 / 253
Last Transfer Date	May 17, 2022
Transfer Doc	017450-123
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	May 20, 2022
Property Address	87 ELM ST, ANDOVER, MA 01810-3608
Document Number	017450-123
Book / Page	17450 / 123
Instrument Date	May 17, 2022
Instrument	12030
Transaction Type	Transfer
Record Updated	Jun 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 ELM ST, ANDOVER, MA 01810-3608

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	87 ELM ST, ANDOVER, MA 01810-3608
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16943-336
Date	May 24, 2021
Book Page	16943/336
Instrument	17142

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 87 Elm St was $14,164, up 4.2% from the year before.

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Andover Town
Unified School District	Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,164.00 (+4.24%)	$1,134,000 (+7.49%) Land $474,600 Building $659,400	$1,469,270
2024	$13,588.00 (+3.11%)	$1,055,000 (+9.36%) Land $463,700 Building $591,300
2023	$13,178.00	$964,700 Land $429,500 Building $535,200

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

Flood

FEMA maps place 87 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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	1 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2019 · rainfall accumulation

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

The area around 87 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 495 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: AT&T, T-Mobile.

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